ARE MY DEPOSITS INSURED?
FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
Electronic Deposit Insurance Estimator (EDIE)
If you have more than $250,000 on deposit in the bank, you may have more--or less--deposit insurance coverage than you think. Use EDIE--Online to calculate your FDIC insurance coverage.
FDIC Deposit Insurance Coverage for Bankers (CBT)
A computer-based training for bank employees who need a basic understanding of FDIC insurance coverage. The training module is user-friendly and self-paced, with built-in learning examples.
Deposit Insurance Guides
Deposit Insurance Summary [Spanish]
A brief, high level overview of the types of deposits insured by the FDIC and the various ownership categories available to depositors at each FDIC-insured depository institution.
Your Insured Deposits (Comprehensive Guide) [Spanish]
The FDIC's comprehensive resource for depositors and bankers that provides guidance and examples for the most common deposit insurance ownership categories.
- Depsit Insurance for EBooks - Your Insured Deposits is now available for electronic readers:
- Kindle (MOBI 2.87 MB) and
- Electronic Version for IPad, IPhone, Nook, and Other Devices (EPUB 1 MB)
Deposit Insurance Guides: Additional Translations
FDIC publications Deposit Insurance Summary and Your Insured Deposits available in Spanish, Simplified Chinese, Traditional Chinese, Korean, Tagalog, and Vietnamese.
Order print copies of the FDIC's publications, such as Deposit Insurance Summary and Your Insured Deposits.
Explanations of deposit insurance coverage for the most common ownership categories that depositors can have at each FDIC-insured depository institution.
Explore further resources regarding insured deposits.
- When a Bank Fails - Facts for Depositors, Creditors, and Borrowers
- Certificates of Deposit: Tips for Savers
- Deposit Broker's Processing Guide
- Deposit Insurance for Accounts Held by Government Depositors
- Insured Or Not Insured?
- Never Lose a Penny
Updated information and frequently asked questions regarding the expiration of the temporary unlimited deposit insurance coverage provided by Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act.