FDIC Deposit Insurance Coverage

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that the bank may offer, such as life insurance policies.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.


The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met.


To calculate your deposit insurance coverage, use the FDIC's Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie.


For questions about FDIC coverage limits and requirements, visit www.fdic.gov/deposit/deposits, call toll-free 1-877-ASK-FDIC, or ask a bank representative.