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Deposit Insurance Summary
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FDIC Deposit Insurance Coverage
The Federal Deposit Insurance Corporation (FDIC) is an independent agency
FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities.
The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. (For details on the requirements, go to www.fdic.gov/deposit/deposits.)
The following chart shows standard insurance amounts for FDIC account ownership
categories. All deposits that an accountholder has in the same ownership
category at the same bank are added together and insured up to the
standard insurance amount.
The more you know about FDIC deposit insurance coverage, the safer your money.
Depositors should understand their coverage limits and confirm that a financial institution is FDIC-insured.
The FDIC sign, displayed at every FDIC-insured institution, is a symbol of confidence for depositors.
There is no need for depositors to apply for FDIC insurance or even to request it; coverage is automatic, up to the insurance limits described above, whenever a deposit account is opened at an FDIC-insured bank or savings association.
To learn more about the FDIC’s insurance
coverage rules and requirements, refer to the
For More Information from the FDIC
Calculate insurance coverage
Read more about FDIC insurance online
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|Last Updated 01/01/2013||Online Customer Assistance Form|