Your Insured Deposits
Important Information About This Brochure
Your Insured Deposits is a comprehensive description of FDIC deposit insurance coverage for the most common account ownership categories. This brochure is not intended as a legal interpretation of the FDIC's laws and regulations. For additional or more specific information about FDIC insurance coverage consult the Federal Deposit Insurance Act (12 U.S.C.1811 et seq.) and the FDIC's regulations relating to insurance coverage described in 12 C.F.R. Part 330.
The information in this brochure is based on FDIC laws and regulations in effect at publication. These rules can be amended and, therefore, some of the information in this brochure may become outdated. The online version of this brochure, available on the FDIC's website at www.fdic.gov/deposit/deposits, will be updated immediately if rule changes affecting FDIC insurance coverage are made.
Depositors should note that federal law expressly limits the amount of insurance the FDIC can pay to depositors when an insured bank fails, and no representation made by any person or organization can either increase or modify that amount.
This brochure is not intended to provide estate planning advice. Depositors seeking such assistance should contact a financial or legal advisor.
For simplicity, this brochure uses the term "insured bank" to mean any bank or savings association that is insured by the FDIC. To check whether the FDIC insures a specific bank or savings association:
- Call the FDIC toll-free: 1-877-275-3342
- Use FDIC's "Bank Find"
- Look for the FDIC sign where deposits are received