FDIC's Depositor Bill of Rights
You have the right to:
- Automatic deposit insurance coverage when you open a deposit account at an FDIC-insured bank, with no additional action on your part.
- Separate FDIC insurance coverage for deposits held at different FDIC-insured banks.
- Confirm that a bank is insured by using the FDIC's Bank Find service (http://research.fdic.gov/bankfind ) or by calling the FDIC toll-free at 1 (877) ASK-FDIC.
- FDIC insurance coverage of at least $250,000 for your deposits at an FDIC-insured bank.
- Deposit insurance coverage of more than $250,000 at a single bank when deposits are held in different "ownership categories," such as a single, joint and trust accounts.
- Confirm that your deposits are within the insurance limits by using EDIE the Estimator at www.FDIC.gov/EDIE or by calling 1-877-ASK-FDIC.
- Be informed when a financial product offered by your bank is not covered by FDIC insurance.
- Prompt access to your insured deposits in the event your bank fails.
- Receive distributions from the receivership if you are an uninsured depositor, as the sale of assets permits.
- Sleep well, knowing that since the creation of the FDIC, no depositor has ever lost one penny of insured deposits.