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Insured account

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Insured account
A bank or financial account that is insured for the benefit of the depositor, protecting against loss in the event that the savings institution becomes insolvent. See: FDIC.

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Anyone who has a federally insured account under $100,000 is safe.
FiSCA's All-Access Savings Program was the first-of-its-kind savings product based on an interest-bearing, federally insured account linked to a prepaid debit card.
Someone at the insured account is the party that knows which of the multiple holders requires an updated certificate.
 
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