かんちゃん・ねっと

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2007年09月28日: ＼(^o^)／人生オワター→50%返済されました。

メインバンクが倒産しますた。
ひとつの銀行にまとめて預けていた私がおばかでした。
悔やんでも悔やみきれません。
預金は分散させましょう・・・。

追記：
FDICに電話で確認した結果。
a) 保護されるのは、合計預金金額のうち$100,000まで。よって、同じ銀行内で口座を分散させていても意味がありません。
b) チェッキングもマネー・マーケットもCDも、保護の対象になるそうです。
電話で教えてもらったFIDCのサイトによると。
c) 保護されなかった分は、銀行に残った資産をFDICが売却し、FDICのオペレーション・コストを引いた残りが預金者から順に支払われます。分配は、3ヶ月ごとに行われるようです。
d) 過去の例では、少ない場合でも約40%が戻ってきているようです。100%戻っている場合もあるようです。

追記2：
プレス・リリースによると。
e) 私と同じような間抜けがあと1,499人ぐらいいるようです。保護されない分の合計が$109ミリオン。一方でINGが残った資産を$724ミリオン分買うということは、残りもいつかは返ってくるってこと？（そんなに甘くはないようです。）
f) 保護されない預金の50%は、即座に支払われるとあります。

追記3：
g) 5分ほど前に、銀行のウェブサイトが（Read Onlyで）復活しているはずですが、当然アクセス集中で繋がりません。まぁ、当然といえば当然ですね（一時的なものだったようです）。

追記4：
h) こんなサイトが立ち上がっています。

追記5：
i) 月曜日にFDICのクレーム・エージェントと電話相談のアポイントメントが取れました。明日にはもう少し詳しいことがわかるのではないかと思います。

追記6：
j) FDICから最初の連絡がありました。とりあえず、50%は戻ってくるようです。

NetBank, Alpharetta, GA - In Receivership
Notice of Determination - Deposit Insurance
Single Ownership Account Category

Dear Depositor,

On September 28, 2007, the Office of Thrift Supervision ("OTS") closed NetBank ("Closed Institution") and appointed the Federal Deposit Insurance Corporation ("FDIC") as receiver of the Closed Institution. The FDIC, in its corporate capacity, insures your deposits, and has made arrangements to transfer all of your insured deposit(s) ("Deposits") at the Closed Institution to another institution, ING Bank, fsb, 1 South Orange Street, Wilmington, Delaware 19801 ("your New Institution"). You will be getting a separate notice from your New Institution.

Your insured deposits are accessible to you immediately up to the insured amount less any debits to this account that may have been outstanding at the time of failure.

To fulfill the FDIC's promise of honoring all insured deposits, the FDIC reviewed NetBank's deposit accounts against the Federal Deposit Insurance Regulations and conducted individual deposit analyses. The FDIC has completed a review of your account(s) and has determined that at least a portion of your deposit in the Single ownership category is uninsured.

Due to the projected sale of assets of the former bank, the FDIC is in the position to provide each uninsured depositor with a dividend equal to 50% of your uninsured amount. Funds representing your insured deposit and the 50% dividend distribution on the uninsured portion of your account will be made available to you immediately. The following link Dividend Information on Failed Financial Institutions contains general information about the dividend process.

A package will be mailed to you within the next few business days with an explanation of how the FDIC made the insurance determination. Please review all of this information upon receipt. After your review of this information, should you have any questions, please contact the FDIC at our toll-free number, 888-xxx-yyyy.

Federal Deposit Insurance Corporation as
Receiver for NetBank
Alpharetta, Georgia

追記7：
k) 10/1現在、NetBankにログインして表示される残高は、無保険の部分が含まれたままです。無保険の部分を引いた実際の残高は、テレフォン・バンキングで知ることができました。私の場合、チェッキングの残高は全額残り、マネー・マーケットもほぼ全額が残り、無保険分は複数のCDの残額から引かれていました。このように複数の口座があった場合に無保険だった部分がどの口座から引かれるかは、結局よくわかりませんでした。

l) 無保険の部分の50%は、すでにFDICからの前払いで返済が確認できました。

m) 9/28に振り込まれた9月分の給料は無保護のため半分を失いましたが、9/26にPayPalから引き出して10/1に口座に反映された金額は、ING移管後（つまり無保険分を失ったあと）の扱いになったため、難を逃れました。今回ばかりはのろまなPayPalに感謝。

n) というわけで、損害金額が確定しました。一度は失ったお金、もし戻ってくることがあれば、その使い道は心に決めています。冒険するにはもってこいのお金ですからね（笑）。

追記8：
o) すべての預金者への通知はこれが初めてかと思われます。混乱を避けるための配慮でしょうか。

Dear Depositor,

The Office of Thrift Supervision ("OTS") closed NetBank ("Closed Institution") on September 28, 2007 and appointed the Federal Deposit Insurance Corporation ("FDIC") as receiver of the Closed Institution. The FDIC, in its corporate capacity, insures your deposits, and has made arrangements to transfer all of your insured deposit(s) ("Deposits") at the Closed Institution to another institution, ING Bank, fsb, 1 South Orange Street, Wilmington, Delaware 19801 ("your New Institution"). You will be getting a separate notice from your New Institution.

We understand that many of you have been calling the former bank's toll free number (888-256-6932) and are experiencing delays due to the heavy volume. We apologize for these delays, and we have arranged for an alternative toll free number that will be answered quickly. If you wish to schedule an appointment to speak to an FDIC Claims Agent, you may contact our toll free number at 1-800-xxx-yyyy.

Federal Deposit Insurance Corporation as
Receiver for NetBank
Alpharetta, Georgia

追記9：
p) 日本にもアメリカのFDICと同じような組織があり、預金保険機構と呼ばれます。FDIC同様、こちらも一定額までしか保障してくれないので注意が必要です。

追記10：
q) クレジット・ユニオンの場合、FDICではなくNCUAが預金を保護してくれます。保険の上限などは、FDICと同じようです。

追記11：
r) INGからのメールです。

As of September 28th, ING DIRECT acquired NetBank’s FDIC-insured personal and business savings, checking, IRAs and CD deposits.

Welcome to ING DIRECT
Since 2000, ING DIRECT has become the nation’s largest direct bank with over 5.5 million Customers and $75 billion in U.S. assets (part of Netherlands-based ING, NYSE: ING).

Business as usual
During the transition over the next 60 days, you can continue to access and manage your accounts the same way you always have as a NetBank Customer at netbank.com. Use your ATM card or Visa® check card, checks, online bill pay, wire transfers (foreign wire transfers will no longer be processed) and standard deposits as usual. Any automated features, such as bill payments or direct deposit, will continue as scheduled.

If you want to open an account with ING DIRECT, you can do so at ingdirect.com or by calling 1-866-xxx-yyyy.

Continued protection
ING DIRECT is a member of the FDIC, so your deposits will continue to receive FDIC insurance coverage.

More opportunities are heading your way
Your deposit(s) will be transitioned to ING DIRECT account(s) safely and securely. You will then have access to the great bank products and Customer service for which ING DIRECT has come to be known.

Looking ahead
We’ll be contacting you within the next 60 days to provide you with all the details on how to use and access your account(s) at ingdirect.com, and the services and features you can take advantage of.

Still have questions? Visit ingdirect.com/netbank to learn more. Or give us a call at 1-866-xxx-yyyy to speak with an Associate. We’re available from 8 AM – 8 PM, 7 days a week.

We look forward to providing you with new ways to save your money.

Arkadi Kuhlmann
President and CEO

追記12：
s) INGからのメールです。

By now you may have heard that ING DIRECT acquired NetBank’s FDIC-insured personal and business savings, checking, IRA and CD deposits.

We want to extend another welcome to
ING DIRECT and give you an update on the current rates for your accounts.

We think you should earn more on your savings so we automatically adjusted the rate on your Money Market account to 4.30% Annual Percentage Yield regardless of its balance.

The interest rate on your checking account has not been changed, so for the time being, you can sit tight and manage your account through netbank.com. Please remember that the rate for your checking and Money Market accounts are variable and can change at any time. The Annual Percentage Yield on your CD will remain unchanged until the CD reaches maturity.

To make a deposit to your checking or Money Market account, you can do any of the following:

* Mail a valid check made payable to yourself, endorse it and write, "For Deposit Only," along with your account number.
* Wire transfer (Please Note: foreign wire transfers will no longer be processed).

Please note we do not accept the following items for deposit: cash, money orders, third-party checks, starter checks without a pre-printed name, traveler's checks, deposit tickets, printed computer checks, voided checks, or blank checks.

If you’re looking for a smarter way to manage your money, check out Electric Orange – the transaction account that lets you earn CD-like rates with instant access to your cash.

Learn more about Electric Orange and our other savings products at ingdirect.com or give us a call at 1-866-327-4599. For your convenience, we’re available from 8 AM – 8 PM, 7 days a week.

If you have additional questions concerning the transition from NetBank to ING DIRECT, go to ingdirect.com/netbank.

We look forward to helping you save more of your money.