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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
    * Leadership
    * Careers
    * Diversity & Inclusion
    * Innovation
    * Initiatives
   
    * Strategic Plans
    * Financial Reports
    * History
    * Governance
    * Ombudsman
    * Doing Business with the FDIC
   
   Board Meeting / August 29, 2023
   
   Meeting of FDIC Board of Directors in Open Session on August 29th
   
   Press Release / August 17, 2023
   
   Federal and State Agencies Issue Statement on Hawaii Wildfires
   
   Resolution / July, 28, 2023
   
   FDIC Named Receiver for Heartland Tri-State Bank of Elkhart, Kansas
   
   Press Release / July, 27, 2023
   
   Agencies Request Comment on Proposed Rules to Strengthen Capital Requirements
   for Large Banks
 * Resources
   
   
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   Meeting of FDIC Board of Directors in Open Session on August 29th
   
   Press Release / August 17, 2023
   
   Federal and State Agencies Issue Statement on Hawaii Wildfires
   
   Resolution / July, 28, 2023
   
   FDIC Named Receiver for Heartland Tri-State Bank of Elkhart, Kansas
   
   Press Release / July, 27, 2023
   
   Agencies Request Comment on Proposed Rules to Strengthen Capital Requirements
   for Large Banks
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   Board Meeting / August 29, 2023
   
   Meeting of FDIC Board of Directors in Open Session on August 29th
   
   Press Release / August 17, 2023
   
   Federal and State Agencies Issue Statement on Hawaii Wildfires
   
   Resolution / July, 28, 2023
   
   FDIC Named Receiver for Heartland Tri-State Bank of Elkhart, Kansas
   
   Press Release / July, 27, 2023
   
   Agencies Request Comment on Proposed Rules to Strengthen Capital Requirements
   for Large Banks
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Home > Deposit Insurance > Understanding Deposit Insurance > Prepaid Cards and
Deposit Insurance Coverage


PREPAID CARDS AND DEPOSIT INSURANCE COVERAGE

En Español

A number of entities market prepaid cards that state they offer FDIC deposit
insurance to cardholders. The following information is intended to help
consumers better understand FDIC deposit insurance coverage for prepaid
cardholders.


WHEN DOES FDIC DEPOSIT INSURANCE APPLY TO MY PREPAID CARD?

 * The prepaid card must be registered with the card issuer so that the FDIC can
   identify the cardholder should the bank fail.
 * FDIC deposit insurance coverage only applies when a bank fails.
 * Your funds are insured by the FDIC if specific deposit insurance
   requirements* are met.


WHEN WOULD FDIC DEPOSIT INSURANCE NOT APPLY TO YOUR FUNDS?

As stated above, FDIC deposit insurance coverage applies only when a bank fails.
Please remember that deposit insurance does not apply in other situations, such
as where your card is lost or stolen or your card provider declares bankruptcy.
However, in those situations, other legal options may be available to you to
pursue recovery of your funds. These options may be discussed in your account
agreement.


*DEPOSIT INSURANCE REQUIREMENTS:

In order for the funds on your prepaid card to be insured, certain requirements
must be met:

 * the account records at the FDIC-insured bank must disclose that the prepaid
   card provider is serving as the custodian on behalf of the cardholders;
 * the records of the FDIC-insured bank, custodian or other party must disclose
   the identities of the actual owners of the funds (you, the cardholder) and
   the amount owned by you;
 * the deposits must be owned (under the agreements among the parties) by you
   and the other cardholders of the prepaid cards.

If these three requirements are met, your funds will be insured up to $250,000
(together with any other funds in the same right and capacity that you (the
cardholder) may have established in another deposit account in the same bank).


If you have any questions, call the FDIC at 1-877-275-3342 (877-ASK-FDIC).

Last Updated 05/13/2020
FDIC Information and Support Center

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