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Text Content

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An official website of the United States government

The .gov means it’s official.
Federal government websites often end in .gov or .mil. Before sharing sensitive
information, make sure you’re on a federal government site.

The site is secure.
The https:// ensures that you are connecting to the official website and that
any information you provide is encrypted and transmitted securely.

 * About
   
   
   ABOUT
   
   The Federal Deposit Insurance Corporation (FDIC) is an independent agency
   created by the Congress to maintain stability and public confidence in the
   nation’s financial system. Learn about the FDIC’s mission, leadership,
   history, career opportunities, and more.
   
    * Learn More About the FDIC
   
    * What We Do
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    * Strategic Plans
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   Resolution / March 10, 2023
   
   FDIC Named Receiver for Silicon Valley Bank
   
   Consumer News / March 3, 2023
   
   Financial Empowerment and Inclusion
   
   Press Release / February 28, 2023
   
   FDIC-Insured Institutions Reported Net Income of $68.4 Billion in Fourth
   Quarter 2022
   
   Press Release / February 23, 2023
   
   Agencies Issue Joint Statement on Liquidity Risks Resulting from Crypto-Asset
   Market Vulnerabilities
 * Resources
   
   
   RESOURCES
   
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   Press Release / February 28, 2023
   
   FDIC-Insured Institutions Reported Net Income of $68.4 Billion in Fourth
   Quarter 2022
   
   Press Release / February 23, 2023
   
   Agencies Issue Joint Statement on Liquidity Risks Resulting from Crypto-Asset
   Market Vulnerabilities
 * Analysis
   
   
   ANALYSIS
   
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   Event / December 1, 2022
   
   Quarterly Banking Profile for Third Quarter 2022
   
   Announcement / October 25, 2022
   
   FDIC Releases 2021 National Survey of Unbanked and Underbanked Households
   
   Event / September 8, 2022
   
   Quarterly Banking Profile
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   Resolution / March 10, 2023
   
   FDIC Named Receiver for Silicon Valley Bank
   
   Consumer News / March 3, 2023
   
   Financial Empowerment and Inclusion
   
   Press Release / February 28, 2023
   
   FDIC-Insured Institutions Reported Net Income of $68.4 Billion in Fourth
   Quarter 2022
   
   Press Release / February 23, 2023
   
   Agencies Issue Joint Statement on Liquidity Risks Resulting from Crypto-Asset
   Market Vulnerabilities
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 1. Home
 2. Resources
 3. Deposit insurance
 4. Understanding deposit insurance

Deposit Insurance


UNDERSTANDING DEPOSIT INSURANCE

Last Updated: July 13, 2020
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Federal deposit insurance goes to the heart of the FDIC’s mission: to promote
confidence and stability in the nation’s financial system. FDIC deposit
insurance enables consumers to confidently place their money at thousands of
FDIC-insured banks across the country, and is backed by the full faith and
credit of the United States government. Since the founding of the Federal
Deposit Insurance Corporation in 1933 no depositor has lost a penny of
FDIC-insured funds.

The FDIC has prepared videos and brochures to help consumers, bankers, and even
bank employees understand how deposit insurance works, the accounts covered by
deposit insurance, and how to calculate insurance coverage.




DEPOSIT INSURANCE COVERAGE OVERVIEW





DEPOSIT INSURANCE COVERAGE PERSONAL ACCOUNTS




COBERTURA DEL SEGURO DE DEPÓSITO DE LA FDIC
 





COBERTURA DEL SEGURO DE DEPÓSITO -- CUENTAS PERSONALES:





DEPOSIT INSURANCE AT A GLANCE

FDIC deposit insurance enables consumers to confidently place their money at
thousands of FDIC-insured banks across the country, and is backed by the full
faith and credit of the United States government.

 * English - PDF, Large Print PDF, High Resolution PDF
 * Spanish - PDF, Large Print PDF, High Resolution PDF




YOUR INSURED DEPOSITS

This brochure provides a comprehensive description of FDIC deposit insurance
coverage for the most common account ownership categories.

 * English - PDF, Large Print PDF, High Resolution PDF, eReader Version
   (Kindle), eReader Version (All Others)
 * Spanish - PDF, Large Print PDF, High Resolution PDF
 * Other Languages
    * Simplified Chinese - PDF
    * Traditional Chinese - PDF
    * Korean - PDF
    * Tagalog - PDF
    * Vietnamese - PDF


DEPOSIT INSURANCE HOME


DEPOSIT INSURANCE FAQS


UNDERSTANDING DEPOSIT INSURANCE


ARE MY DEPOSIT ACCOUNTS INSURED BY THE FDIC?


FINANCIAL PRODUCTS THAT ARE NOT INSURED BY THE FDIC


REVOCABLE AND IRREVOCABLE TRUST ACCOUNTS


DEPOSIT INSURANCE FOR ACCOUNTS HELD BY GOVERNMENT DEPOSITORS


BANKER WEBINARS


BROCHURES
YOUR INSURED DEPOSITS
DEPOSIT INSURANCE AT A GLANCE


ADDITIONAL LINKS
GET DEPOSIT INSURANCE PRODUCTS
DEPOSIT INSURANCE FUND
DEPOSIT INSURANCE ASSESSMENTS
HAS YOUR BANK FAILED?


ELECTRONIC DEPOSIT INSURANCE ESTIMATOR (EDIE)

EDIE allows consumers and bankers to calculate your coverage on a per-bank
basis, determine how much is insured, and what portion of your funds (if any)
exceeds the coverage limits. Consumers can also learn how the insurance rules
limits apply to your specific deposit accounts. After calculating your coverage
using EDIE, you can also print the report for your records.

Learn More


ELECTRONIC DEPOSIT INSURANCE ESTIMATOR (EDIE)

EDIE allows consumers and bankers to calculate your coverage on a per-bank
basis, determine how much is insured, and what portion of your funds (if any)
exceeds the coverage limits. Consumers can also learn how the insurance rules
limits apply to your specific deposit accounts. After calculating your coverage
using EDIE, you can also print the report for your records.

Learn More
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