Bank / Credit Union

FDIC to streamline signage for ATMs, digital banking

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January 30, 2026

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The Federal Deposit Insurance Corp. issued a final rule Jan. 22 to streamline signage requirements for digital banking and ATMs, providing banks with more flexibility for displaying the agency's official seal, according to a report by JDSupra.

The rule, which amends sections of 12 CFR 328, requires full compliance by April 17, 2027. The move follows a series of delays intended to address implementation costs and industry confusion regarding digital displays.

Under the new guidelines, banks gain flexibility in the font, color and size of the FDIC digital sign on websites and mobile apps. The seal must appear on homepages, login screens and the initial page of the account opening process. The rule also narrows the scope of non-deposit signage, requiring it only on pages dedicated to products like annuities or mutual funds. For third-party products, required notifications may now automatically disappear after three seconds.

Regarding hardware, the FDIC narrowed signage requirements for ATMs and similar devices to the initial transaction screen. Notably, the rule permits banks to use physical signs rather than digital displays for all ATMs placed into service on or before April 1, 2027, as well as newer machines that do not offer non-deposit products.

For machines that handle both deposits and non-deposit transactions, banks must display a clear warning on the first non-deposit screen stating that such products are not FDIC-insured and may lose value.