FDIC Official Signs, Advertisement of Membership, False Advertising, Misrepresentation of Insured Status, and Misuse of the FDIC's Name or Logo
Published Date: 1/29/2026
Rule
Summary
The FDIC is updating rules about how banks show their FDIC insurance on websites, apps, and ATMs. These changes give banks more freedom in their signs while helping customers clearly know when their money is protected. Banks must follow the new rules by April 1, 2027, starting March 2, 2026.
Analyzed Economic Effects
8 provisions identified: 8 benefits, 0 costs, 0 mixed.
Physical sign exception for certain ATMs
ATMs and like devices placed into service before April 1, 2027 may display the physical FDIC official sign instead of the digital sign. Also, any ATM that does not allow customers to transact with non-deposit products may display the physical sign regardless of when it was placed into service.
More flexible FDIC digital sign design
Banks (insured depository institutions) may display the FDIC official digital sign using navy blue or black text without specific hexadecimal color codes, and may use Source Sans Pro Web or a similar font. The rule lets banks wrap the digital sign text to fit screens and does not require a specific font size.
Where digital FDIC signs must appear
On bank websites and apps, the FDIC official digital sign is now required only on the initial page or homepage, the login page, and the first page or screen where a consumer first initiates a deposit account opening. These display requirements take effect March 2, 2026 with compliance required by April 1, 2027.
Narrower non-deposit signage online
Banks must display non-deposit signage (stating non-deposit products are not FDIC insured, are not deposits, and may lose value) only on pages that are primarily dedicated to advertising, providing information about, or giving access to non-deposit products on digital deposit-taking channels. Signage must be clear, continuous, and conspicuous; placement flexibility is allowed (for example, bottom placement is OK if the text is prominent).
One-time exit notice for third-party links
When a logged-in bank customer leaves a bank's digital deposit channel to access third-party non-deposit products (including affiliated platforms), the bank must show a one-time notification saying the products are not FDIC insured, are not deposits, and may lose value. The notification may be dismissed by the customer or can disappear automatically after a minimum of 3 seconds.
Banks may add extra disclosures
The rule explicitly permits insured depository institutions to display additional signage or disclosures on digital channels or ATMs beyond what the FDIC requires, for example clarifying that FDIC insurance on a page applies only to that institution's deposits.
ATM signage only on initial screen
For ATMs and like devices, the FDIC official digital sign must be displayed on the device's initial screen (the screen that appears before users engage the device). The rule clarifies that idle advertisement screens are not considered initial screens to avoid misleading displays. Effective March 2, 2026; compliance by April 1, 2027.
Narrower ATM non-deposit signage rules
Non-deposit signage on ATMs is required only for the institution's own customers (not for non-customers) and only at the initial transaction page/screen when a user initiates a non-deposit transaction. This narrows prior requirements that applied more broadly.
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