I don't see it as a problem either--just a missed opportunity. With all the frightening news about huge losses, runs on banks, and bank failures, depositors need to be reminded that their money is safe in the bank. I would INSIST that every public statement by every bank representative emphasize the fact that you are FDIC insured. View the membership statement as an opportunity not a requirement. Avoid the "batteries not included" style of presentation in favor of a proud statement that your depositors are protected up to the insurance limits.