All funds in a "noninterest-bearing transaction account" are insured in full by the FDIC from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC general deposit insurance rules.  This ruling also includes Interest on Lawyers Trust Accounts (IOLTA's).  It does not include accounts that earn interest such as NOW or Money Market Accounts.  The term "non-interest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.