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Changed Member Accounts are provided and issued by nbkc bank, Member FDIC. Any balances you hold with nbkc bank, including but not limited to those balances held in Changed accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Changed accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC).

For a complete list of other depository institutions where funds may be placed, please visit https://www.modernfi.com/nbkcbanklistBalances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance