The Federal Deposit Insurance Corp. eliminated the cap on premiums that can be paid holders of demand deposit accounts, but the premium's amount must be tied to something other than how much is in the account or how long it is held.

That means state banks regulated by the FDIC may make incentive payments to their customers for using automated teller machines, debit cards, or Internet banking services.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.