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Insurance Coverage


As a Pittsfield Cooperative Customer, rest easy knowing your funds are 100% insured. As a customer of a Massachusetts Co-operative Bank, your deposits are insured in full. The Federal Deposit Insurance Corporation (FDIC) insures each depositor to at least $250,000. The Depositors Insurance Fund (DIF) of the Co-operative Central Bank insures all deposit balances in excess of the FDIC insured levels.

Up to $250,000 Insured by FDIC

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the federal government. It preserves and promotes public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions for at least $250,000 by identifying, monitoring and addressing risks to the deposit insurance funds and by limiting the effect on the economy and the financial system when a bank or thrift institution fails. Savings, checking and other deposit accounts, when combined, are generally insured to $250,000 per depositor in each bank or thrift the FDIC insures.

Balances over $250,000 by DIF

The Depositors Insurance Fund (DIF) is a private fund owned by the member banks, which insures all deposits at cooperative banks in Massachusetts above the Federal Deposit Insurance Corporation (FDIC) limits. Since its inception, the Depositors Insurance Fund has preserved the enviable claim that "no depositor has ever lost a dollar in any Massachusetts Cooperative Bank."

This unique combined insurance coverage afforded by the FDIC and DIF provides the best deposit insurance available, whether a deposit balance are held in a passbook, statement of certificate type accounts, or in any combinations of these accounts. At a Massachusetts Cooperative Bank, your deposits are always fully protected.
For more information, please visit the website of FDIC at The DIF at

The Pittsfield Cooperative Bank provides you with the links below as a source of information that is neither endorsed nor guaranteed by the Bank. Please be aware that by selecting any of these links you are leaving The Pittsfield Cooperative Bank’s secure site. The Bank does not provide, and is not responsible for, the products, service, or overall website content available at a third-party site. Additionally, the Bank’s privacy policy does not apply to linked websites. You should consult the privacy disclosure on that site for further information.

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