On January 29, 2026, the FDIC issued a final rule amending its signage requirements for insured depository institutions' (IDIs) digital deposit-taking channels and automated teller machines (ATMs) and like devices. The final rule addresses implementation issues and sources of potential confusion raised following the adoption of signage requirements for these banking channels in 2023.
On January 22, the FDIC Board approved the final rule which simplifies requirements for banks’ display of the FDIC official digital sign and non-deposit signage on digital deposit-taking channels, such as bank websites and mobile applications, as well as on ATMs and like devices. The FDIC said that the amendments will provide additional flexibility to IDIs while also enabling consumers to better understand when they are conducting business with an IDI and when their funds are protected by the FDIC's deposit insurance coverage.
Key highlights of the final rule include:
Institutions now have greater flexibility in how the FDIC digital sign appears, including font size, color selection, and text wrapping, as long as the sign remains clear and recognizable.
The FDIC digital sign is required only on the homepage, login page, and the first screen where a consumer begins opening a deposit account, reducing repetitive signage across platforms.
Non-deposit disclosures are required only on pages primarily dedicated to non-deposit products and are no longer required on pages with incidental references to such products.
When customers leave a bank’s digital platform to access third-party or affiliate non-deposit products, institutions must provide a one-time disclosure that can be dismissed by the user or auto-close after at least three seconds.
Institutions are expressly allowed to include additional disclosures beyond those required by regulation to clarify FDIC insurance coverage and reduce consumer confusion.
FDIC signage on ATMs is now required only on the initial customer-engagement screen, eliminating the need to display the sign on multiple transaction screens.
ATMs placed into service before April 1, 2027, and ATMs that do not offer non-deposit products may continue using physical FDIC signs instead of digital signage.
Non-deposit disclosures on ATMs are required only when an institution’s customer initiates a non-deposit transaction and only on the initial screen for that transaction.
The rule removes the specific provision addressing degraded or defaced signs, while maintaining the general requirement that all FDIC signage be clear and conspicuous.
The amendments are effective March 2, 2026, and compliance is required by April 1, 2027.
The final rule can be found here.
