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An official website of the United States government

The .gov means it’s official.
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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
   
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   FDIC Finalizes Rule to Modernize Official Signs and Advertising Statement
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 1. Home
 2. Resources
 3. Deposit insurance
 4. Understanding deposit insurance

Deposit Insurance


UNDERSTANDING DEPOSIT INSURANCE

Last Updated: September 21, 2023
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DEPOSIT INSURANCE LINKS


DEPOSIT INSURANCE


UNDERSTANDING FDIC DEPOSIT INSURANCE


FDIC DEPOSIT INSURANCE FAQ


ARE MY DEPOSIT ACCOUNTS INSURED BY THE FDIC?


FINANCIAL PRODUCTS THAT ARE NOT INSURED BY THE FDIC


TRUST ACCOUNTS


DEPOSIT INSURANCE FOR ACCOUNTS HELD BY GOVERNMENT DEPOSITORS


BANKER WEBINARS


BROCHURES

Your Insured Deposits

Deposit Insurance at a Glance

Order Brochures


ADDITIONAL LINKS

Deposit Insurance Fund

Who Pays for FDIC Deposit Insurance?

Has Your Bank Failed?

Electronic Deposit Insurance Calculator

FDIC deposit insurance protects your money in deposit accounts at FDIC-insured
banks in the event of a bank failure. Since the FDIC was founded in 1933, no
depositor has lost a penny of FDIC-insured funds.

Vea esta página en español


HOW FDIC DEPOSIT INSURANCE WORKS

The FDIC helps maintain stability and public confidence in the U.S. financial
system. One way we do this is by insuring deposits to at least $250,000 per
depositor, per ownership category at each FDIC-insured bank.

The FDIC maintains the Deposit Insurance Fund (DIF), which:

 * Insures deposits and protects depositors of FDIC-insured banks and
 * Helps fund our resolution activities when banks fail.

The DIF is backed by the full faith and credit of the United States government,
and it has two sources of funds:

 * Assessments (insurance premiums) that FDIC-insured institutions pay and
 * Interest earned on funds invested in U.S. government obligations. The FDIC
   buys Treasury notes, and the interest on those notes helps the DIF grow.

FDIC deposit insurance only covers deposits, and only if your bank is
FDIC-insured.

Make sure your bank is FDIC-insured, using the BankFind Suite search tool.





HOW TO KNOW IF YOUR ACCOUNT IS COVERED

FDIC insurance covers deposits in all types of accounts at FDIC-insured banks,
but it does not cover non-deposit investment products, even those offered by
FDIC-insured banks. Additionally, FDIC deposit insurance doesn’t cover default
or bankruptcy of any non-FDIC-insured institution.





COVERED

Money deposited at FDIC-insured banks in:

Checking accounts
Negotiable order of withdrawal (NOW) accounts
Savings accounts
Money market deposit accounts (MMDAs)
Time deposits such as certificates of deposit (CDs)
Cashier’s checks, money orders, and other official items issued by a bank



NOT COVERED

Stock investments
Bond investments
Mutual funds
Annuities
Life insurance policies
Safe deposit boxes or their contents
U.S. Treasury bills, bonds, or notes
Municipal securities
Crypto assets


UNDERSTANDING YOUR COVERAGE LIMITS

FDIC deposit insurance covers $250,000 per depositor, per FDIC-insured bank, for
each account ownership category.

Ownership categories include:

 * Single accounts
 * Joint accounts
 * Certain retirement accounts —for example, Individual Retirement Accounts
   (IRAs)
 * Revocable trust accounts
 * Irrevocable trust accounts
 * Employee benefit plan accounts
 * Corporation / partnership / unincorporated association accounts
 * Government accounts

All of your deposits in the same ownership category in the same FDIC-insured
bank are added together for the purpose of determining FDIC deposit insurance
coverage. However, you may qualify for more than $250,000 in FDIC deposit
insurance coverage if you deposit money in accounts that are in different
ownership categories.

For example:

If you have a single ownership account at an FDIC-insured bank, and you have a
joint ownership account with one or more people at the same bank, you will be
insured for up to $250,000 for your single ownership account deposits and also
insured separately for your ownership interest up to $250,000 for all of your
joint ownership account deposits.

-or-

If you have a single ownership account in one FDIC-insured bank, and another
single ownership account in a different FDIC-insured bank, you will be insured
for up to $250,000 for your single account deposits at each FDIC-insured bank.

-or-

If you have two single ownership accounts (such as a checking account and a
savings account) and an individual retirement account (IRA) at the same
FDIC-insured bank, then you will be insured up to $250,000 for the combined
balance of the funds in the two single ownership accounts. You will be
separately insured up to $250,000 for the funds in the IRA, because IRAs are in
a different account ownership category.

Use the FDIC’s online Electronic Deposit Insurance Estimator (EDIE) to calculate
how much of your funds are covered by deposit insurance.


PROTECTING DEPOSITORS DURING A BANK FAILURE

Bank failures are unlikely, but they do happen. FDIC deposit insurance protects
your insured deposits if your bank closes. The FDIC acts quickly when this
happens to ensure that access to your insured deposits is not interrupted.


QUESTIONS ABOUT DEPOSIT INSURANCE?

 * Deposit Insurance FAQ
 * FDIC Information and Support Center
 * Or Call 877-275-3342 (877-ASK-FDIC)

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