---
title: FDIC Advertisement of Membership & Non-Deposit Products
description: New FDIC rules require physical separation of deposit and non-deposit product areas in banks to minimize customer confusion, effective May 1, 2025. Learn how banks can comply.
---

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# [FDIC Advertisement of Membership & Non-Deposit Products](https://blog.bankerscompliance.com/en/fdic-advertisement-of-membership-non-deposit-products)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | Dec 26, 2025 9:08:24 PM

On May 1, 2025, new requirements and restrictions took effect for FDIC-insured institutions that also offer non-deposit products. As a result, areas where insured deposits are typically accepted must be physically segregated from any areas where non-deposit products are offered or sold. There are a variety of ways to achieve this, including things like a separate room/office for non-deposit product activities; a partition or railing that separates deposit-taking areas from non-deposit product areas; configuring desks or cubicles in a way to separate these two areas, etc. There could be instances, however, where such physical segregation presents a challenge. The FDIC states, in its “[Questions and Answers Related to the FDIC’s Part 328 Rule](https://www.fdic.gov/deposit-insurance/questions-and-answers-related-fdics-part-328-final-rule)”:

*For example, due to limited space, an IDI *(insured depositary institution)* that offers both deposit and non-deposit products in the same private office and at the same desk, may switch between displaying the FDIC official sign and non-deposit sign when discussing the relevant product to help minimize customer confusion. However, at no time should a non-deposit sign be displayed in close proximity to the FDIC official sign. *(Physical Premises - Question #6) Keep in mind, the determination of whether an institution has justifiable space limitations will be subject to the discretion of its examiners.

Jerod explains more in the video.

[ FDIC Signage -  
Get your Whole Team Trained! ](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLKK2KpVHN6H618KTSO8OaT4HVfvTsEwWMQrLTf%2BUornv9VrlQaqL4dRAQsdXcjFk3tIc8vR3xOll%2FshvsmmmEEZpNQNVz%2Bi4LPmewuCS%2FFr9%2BaYmC9%2BztDRyLRcpi2Mn7WspQ5QZsExJYBnel1Bo5jp2LSknbVuiqVmNwsXGBgGpgZ80MZn6A04AIVH96RUe49yzaDqZsQq6wcK&portalId=21201105) 

Published  
2025/12/26

[View full post](https://blog.bankerscompliance.com/en/fdic-advertisement-of-membership-non-deposit-products)

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