On January 22, the FDIC Board of Directors announced that it approved a final rule, issued in the Federal Register, to amend signage requirements for banks for their digital deposit channels and ATMs. In drafting this final rule, the FDIC stated it aimed to address implementation challenges and potential consumer confusion, while continuing to ensure consumers clearly understand when they are dealing with an insured depository institution, when FDIC deposit insurance applies, and when products or services are not deposits or are offered by non-bank third parties. The final rule will amend 12 CFR 328.4 and 328.5, granting banks greater flexibility in how they display FDIC signage on digital channels and ATMs. The rule will require the official FDIC digital sign to be “clearly, continuously, and conspicuously” displayed on the initial page or homepage, the login page, and the first page or screen where a consumer initiates a deposit account opening.

For ATMs and like devices, the official FDIC digital sign must now appear on the initial screen of deposit-taking devices, with a clarified exception permitting use of the physical official sign for ATMs and like devices placed into service by April 2027 and for devices that do not offer non-deposit products. The rule will also delete section 328.4(f), relating to degraded or defaced physical official FDIC signs, deeming it “unnecessary.” The final rule will take effect March 2, 2026, with a compliance deadline of April 1, 2027.