Another UK bank spends a small fortune running required monthly reports on who is covered by deposit insurance and how large the exposure is.
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Returns on these investments vary fairly widely based on whether they're subject to early withdrawal penalties, offer fixed or variable yields, or are protected by deposit insurance.
With the acquisition of ING Direct, Capital One has become the fifth largest consumer bank by deposit behind Bank of America, JPMorgan Chase, Citigroup and Wells Fargo.
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But this money, which is not protected by government deposit insurance, is secured only by the companies' own capital.
Takugin's profitable business is likely to end up with Hokuyo Bank, a healthy mid-sized institution in Sapporo, while most of the non-performing loans will be inherited by the Deposit Insurance Corporation, an emergency pool funded mainly by other banks.
No more expeditious way exists to reach that destination than by reforming deposit insurance.
Most advanced economies try to prevent that by offering deposit insurance to savers.
Each payment by direct deposit costs the U.S. about 10 cents.
Beginning in the late 1990s and continuing for much of the past decade, bank regulators repaired bank balance sheets in part by using government resources to recapitalize the banks and in part by setting deposit rates much lower than lending rates.
According to the FBI complaint, Ms Alba posted on Facebook that "we've set up a funeral fund for my brother and families - anyone willing to make a donation can make one", before giving instructions on how to donate to a Paypal account or by direct deposit.
That can be done in two ways: by narrowing the scope of deposit insurance and by requiring banks to issue specific kinds of credibly uninsured debt.
State-owned banks still dominate the financial sector and are kept profitable by a positive spread between loan and deposit rates dictated by government policy.
Another caveat: Money on prepaid cards isn't always insured by the Federal Deposit Insurance Corp.
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These deposits are covered by the corresponding deposit protection scheme established in the country of incorporation.
Landsbanki's products were not covered by the domestic deposit-insurance schemes of the target countries.
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The business is then taken over by the Federal Deposit Insurance Corporation, with its Orderly Liquidation Authority.
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So, for example, cash placed on deposit by small businesses has been growing.
Local banks are overseen by the Federal Deposit Insurance Corporation and state regulators.
According to a 2008 study by the Federal Deposit Insurance Corporation, 9 percent of checking accounts incur 84 percent of overdraft fees.
Remember: Mutual funds are not insured by the Federal Deposit Insurance Corp.
If banks were to compete by offering higher deposit and lower lending rates, they would reduce their income and therefore face liquidity risks.
The advisers were also influenced by the Federal Deposit Insurance Corporation's apparent success in reducing the payments of delinquent customers of IndyMac, a failed bank.
Under a passport system covering the European Economic Area (a broader, watered-down version of the European Union), investors were supposedly covered by the Icelandic deposit-insurance scheme.
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The Office of Thrift Supervision considered WaMu well-capitalized on the day it was seized by the Federal Deposit Insurance Corp. and its deposits and assets sold to JPMorgan.
In addition, Bernanke said the new initiative by the Federal Deposit Insurance Corporation will reinvigorate interbank lending and the Federal Reserve will continue to work with other central banks.
From "Bull by the Horns, " by former Federal Deposit Insurance Corp. chairman Sheila Bair: Goldman and Morgan Stanley were "teetering on the edge" in the fall of 2008.
Bernanke's speech, at a conference on mortgage lending sponsored by the Federal Deposit Insurance Corp. (FDIC), comes after global stock markets swooned over new fears that the credit crisis will deepen.
These spin offs would be regulated by the Federal Deposit Insurance Commission (FDIC), which might well strongly suggest a cap on the leverage that can be used of between 10 and 15 times.
The monetary base is potential money, potential high-powered money, but as long as its growth is primarily in reserves on deposit by the banking system at the Fed it is not yet money.
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Banks use the time frame as a filter: if you can get by without your deposit for the better part of a month, they can see that you have the cash flow to properly rebuild your credit.
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