Starting Wednesday, bank customers can use the Web to verify that their bank or thrift deposits are fully insured.

The Federal Deposit Insurance Corp. has created Edie-the Electronic Deposit Insurance Estimator-to help bank customers and employees easily navigate the confusing laws on insurance coverage. It uses an interactive question-and-answer format.

The Web site will be particularly helpful to people who have more than $100,000 in a single financial institution spread over multiple accounts. Edie will determine coverage for two types of accounts: private ones held by one or more people, and sole proprietorships. It will not recognize deposits held in corporate accounts.

The site is at

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