Effective January 1, 2013, the FDIC’s Standard Maximum Deposit Insurance Amount of $250,000 will apply to IOLTA and noninterest-bearing transaction accounts. The temporary unlimited coverage for IOLTA accounts under the Dodd-Frank Act has ended. Because IOLTA accounts are fiduciary accounts, they generally qualify for pass-through coverage on a per-client basis, meaning that coverage on deposits in IOLTA accounts typically extends to $250,000 for each client. More information about current deposit insurance coverage for IOLTA accounts is available from the FDIC.