Q: Must all IDIs make available to depositors noninterest-bearing transaction accounts
that are fully insured under the Dodd-Frank Deposit Insurance Provision?

A: No. IDIs are not required by any statute or regulation to provide noninterest-bearing transaction accounts to depositors. However, if an IDI does offer noninterest-bearing transaction accounts, that IDI cannot opt out of the Dodd-Frank Deposit Insurance Provision
and its noninterest-bearing transactions accounts shall be fully insured through December 31, 2012.

This can be found in - FAQ#5 of FDIC’s FAQs.  FDIC’s FAQs can be found at: http://www.fdic.gov/deposit/deposits/unlimited/faq.pdf