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as long as the deposits are not pledged as collateral for loans.” Other terms of your accounts may also eventually change.įor instance, the FDIC said, “you may withdraw your funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with JP Morgan Chase Bank, N.A. Since you effectively are becoming a Chase customer, Chase will notify you if it plans to make any changes to the deposit rates on your checking, savings and other accounts such as certificates of deposit. So what will change now that my account is being transferred to Chase? There will be no change in the terms of your loan. The FDIC notes that anyone with a loan from the bank should continue making payments as usual. What if I have a loan through First Republic? Direct deposits like paychecks and Social Security benefits will continue as usual,” the FDIC said on its resource page for First Republic customers. “You may continue to use your checks and ATM/Debit card. Will I still have access to banking services?įirst Republic customers will have many of the same banking conveniences that they had before the bank was taken over. (JPM) Bank, National Association, branches to process their accounts as well,” the FDIC said. “Customers of First Republic Bank should continue to use their existing branch until they receive notice from JPMorgan Bank, National Association, that it has completed systems changes to allow other JPMorgan Chase Should I start banking at Chase branches? “All transferred deposits will be separately insured from any accounts you may already have at JP Morgan Chase Bank, N.A. One quirk to note: If a First Republic customer already has Chase accounts, the transfer of their deposits to Chase will not count against their total balances at the bank initially. “Deposits will continue to be insured by the FDIC, and customers do not need to change their banking relationship in order to retain their deposit insurance coverage up to applicable limits,” the FDIC said. “So radio, which is the original method of consuming music, or one of the oldest anyway, is still the predominant way that we get paid.Beyond FDIC insurance: How protected is your money outside of banks? “Streaming doesn't quite pay songwriters enough to make a living, most of us,” he said. “The value of music is only going to increase and I think it’s going to be exponential.”īut it’s still tough for songwriters to make money from streaming. “I don’t even know if we’re halfway to the point of critical mass in terms of the world being on streaming platforms,” Tedder said. “From the record label standpoint, money is falling from the sky,” he said.
Streaming has disrupted the music industry - making it easier for artists to distribute music to consumers. (Photo by Michael Kovac/Getty Images for NARAS) 
.LOS ANGELES, CA - FEBRUARY 12: Recording artist-producer Ryan Tedder (L) and recording artist Adele, co-recipients of the Album Of The Year award for '25,' pose backstage during the The 59th GRAMMY Awards at STAPLES Center on Februin Los Angeles, California.
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