Use "EDIE," the FDIC's online tool for analyzing your insurance coverage, at www.fdic.gov/edie. "EDIE is ideal for verifying your deposit insurance coverage for existing deposit accounts as well any new accounts you might consider opening at your bank," said Calvin Troup, an FDIC Senior Consumer Affairs Specialist. EDIE can be used for all but a few deposit categories, such as complex trust deposits.
Read the FDIC's two main consumer publications about deposit insurance. Go to www.fdic.gov/deposit/deposits to read and order free printed copies of "Deposit Insurance Summary" (a two-page overview) and "Your Insured Deposits" (a more in-depth guide).
When in doubt about your deposit insurance coverage, you can always contact the FDIC. Call toll-free 1-877-ASK-FDIC (1-877-275-3342), send an e-mail at www2.fdic.gov/starsmail or write to the FDIC, 550 17th Street, NW, Washington, DC 20429.