Since 1933, the FDIC seal has symbolized the safety and security of our nation’s financial institutions. 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. FDIC deposit insurance coverage depends on two things: (1) whether your chosen financial product is a deposit product; and (2) whether your bank is FDIC-insured.


  • 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


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 coverage over $250,000 if they have funds in different ownership categories and all FDIC requirements are met. All deposits that an account holder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount.


For Additional Information from the FDIC

Call toll-free 1-877-ASK-FDIC (1-877-275-3342)

Hearing impaired line 1-800-925-4618

Calculate insurance coverage using EDIE

The Electronic Deposit Insurance Estimator – known as EDIE – is an online tool that’s simple and easy to use. To calculate your deposit insurance coverage, use EDIE at: FDIC Insurance Calculator

Read more about FDIC insurance online at: Understanding Deposit Insurance