Do you have savings or checking account balances in excess of $250,000?  You may want to consider a depository bond.  For 2013, the FDIC has continued its practice of providing account protection for balances to $250,000 (see the FDIC circular here), however if you want coverage in excess of that amount, a depository bond is the answer.  For relatively inexpensive premiums we can provide significant insurance to hedge your banking risk. Surety One, Inc., provides same day bonding of all qualified bank applicants*.  Visit us at, call (787) 333-0222 or (800) 373-2804, or email

(*Qualification based on LACE report and financial statement analysis.)