To comply with Federal Deposit Insurance Corporation (FDIC) guidelines, including the FDIC’s Part 328 Final Rule, Narmi provides your institution with the option to set a deposit insurer and have that insurer’s logo display in Narmi Banking and Narmi Grow. For Narmi Banking, the insurer settings are Federal Deposit Insurance Corporation (FDIC), National Credit Union Administration (NCUA), or None. For Narmi Grow, the insurer settings are FDIC or None. See Deposit Insurer Setting for instructions and Deposit Insurer Signage Placement for examples.
FDIC’s Part 328 Final Rule
The FDIC’s Part 328 final rule on signage and advertising is designed to clarify and enforce deposit insurance disclosures for financial institutions. The FDIC's rule requires all insured depository institutions (IDIs) to display official FDIC signs prominently at any physical location where deposits are accepted. This rule also extends to digital platforms, mandating that the official FDIC sign and status indicators be visible on all banking websites and apps where customers manage deposits.
The final rule stipulates that IDIs must differentiate insured deposit areas from those offering non-deposit products, like securities or mutual funds, using clear and separate signage to prevent any misunderstanding of FDIC insurance coverage. Additionally, the rule includes provisions for electronic signage in digital and physical locations to meet display requirements. For further guidance, consult the FDIC’s official documentation on display standards and digital signage criteria.
For information on updating the Narmi Grow and Narmi Banking footers, including FDIC/NCUA logos, go to Web Banking Footer or Account Opening Footer.
In this article:
Deposit Insurer Setting
Your institution can specify which deposit insurer you use, but the signage differs depending on whether the user is accessing the web app or mobile app and whether they are using Narmi Banking or Narmi Grow. Narmi controls the logos used and their placement in accordance with guidelines from the governing bodies.
To edit the deposit insurer, go to Narmi Command > Configurations > Institution settings > Deposit Insurer and choose None, NCUA, or FDIC.
For Narmi Banking:
FDIC – Shows the FDIC logo on the login page and transfer page for web and mobile, and the remote deposit capture (RDC) page for mobile
NCUA – No signage for web; shows the NCUA logo on the transfer page and the RDC page for mobile
None – No signage for web and mobile
For Narmi Grow:
FDIC – Shows the FDIC logo on the review page for all Narmi Grow flows on web and mobile
NCUA – No signage for web and mobile
None – No signage for web and mobile
Scroll down to Deposit Insurer Signage Placement for examples.
Note: For an NCUA logo to show on the web app footer for Narmi Banking or Narmi Grow, update the institution setting Member FDIC or NCUA Logo URL with the NCUA logo.
Optional Funding Page FDIC Logo
Your institution can opt to have an FDIC logo show on the Funding page of the Consumer Account Opening flow using these additional settings: CAO Show FDIC Logo on Funding Screen = True and Member FDIC or NCUA Logo URL. Note: This setting uses a logo you provide in the Member FDIC or NCUA Logo URL setting, not the Narmi-controlled logo.
Deposit Insurer Signage Placement
The signage placement differs depending on whether the user is accessing the web app or mobile app and whether they are using Narmi Banking or Narmi Grow.
Narmi Banking - FDIC
In Narmi Banking for web and mobile, the FDIC signage displays in the following places.
On the top of the Narmi Banking login page for web:
On the bottom of the Narmi Banking login page for mobile:
On the top of the Narmi Banking Transfers page for web:
On the bottom of the Narmi Banking Transfers page for mobile:
On the Narmi Banking remote deposit capture page for mobile:
Narmi Banking - NCUA
Note: For Narmi Banking, the “NCUA” setting does not apply to web, only mobile.
In Narmi Banking for mobile, the NCUA signage is displayed in the following places.
Select Transfers > Transfers > View limits and disclosures:
Select Deposit > info icon next to “Check deposit”:
Narmi Grow - FDIC
Note: The “NCUA” setting does not apply to Narmi Grow.
In Consumer and Business Account Opening for web, the FDIC signage displays on the “Review” page of all Account Opening flows—Consumer, Business, and Staff-Led.
For mobile web and Consumer Account Opening in Digital Banking in the mobile app, the FDIC signage displays on the “Review” page.
