Important Banking Disclosures
This page contains important regulatory disclosures and consumer protection information required by federal and state laws. Please read this information carefully.
Table of Contents
FDIC Insurance 12 CFR § 330
Your Deposits Are FDIC Insured
bronclear is a member of the Federal Deposit Insurance Corporation (FDIC). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
FDIC Certificate #: 12345 | Website: www.fdic.gov
What is FDIC Insurance?
The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails.
Insurance Coverage Limits
FDIC insurance covers all deposit accounts, including:
Covered Account Types
- Checking accounts
- Savings accounts
- Money market deposit accounts
- Certificates of deposit (CDs)
- Negotiable Order of Withdrawal (NOW) accounts
- Official items (cashier's checks, money orders)
What is NOT Covered?
FDIC insurance does NOT cover:
- Stock investments
- Bond investments
- Mutual funds
- Life insurance policies
- Annuities
- Municipal securities
- Safe deposit boxes or their contents
- U.S. Treasury bills, bonds, or notes
Important Insurance Information
FDIC insurance coverage is automatic when you open an insured deposit account. No application is required. To check your insurance coverage, use the FDIC's Electronic Deposit Insurance Estimator (EDIE) at edie.fdic.gov.
Truth in Savings Disclosure Regulation DD
The following information is provided pursuant to the Truth in Savings Act (Regulation DD) and applies to all deposit accounts offered by bronclear.
Annual Percentage Yield (APY)
The APY is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.
Interest Rates
Interest rates are variable and may change at any time without prior notice. Current rates as of December 31, 2025:
| Account Type | APY | Minimum to Earn APY | Interest Compounded | Interest Credited |
|---|---|---|---|---|
| Personal Savings | 4.35% | $0.01 | Daily | Monthly |
| Business Checking | 1% | $1,000.00 | Daily | Monthly |
| Business Money Market | 3.5% | $10,000.00 | Daily | Monthly |
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