Deposit Insurance Coverage
Online Deposit Insurance Estimator Now Available in Spanish
The Federal Deposit Insurance Corporation (FDIC) is pleased to announce that its Electronic Deposit
Insurance Estimator, also known as "Online EDIE," is now available in Spanish on the FDIC's Web site
at http://www.fdic.gov/deposit/deposits/. The Spanish language EDIE
has the same functionality as the FDIC's widely used English version of Online EDIE.
Online EDIE is a user-friendly Internet application that helps bank customers learn about deposit
insurance and calculates the insurance coverage on their deposit accounts at a single FDIC-insured
bank or savings association. Online EDIE provides users two options for navigating the system: the
"Walk Me Through" option provides users with step-by-step instructions for entering information
about their deposit accounts, while the "Calculator" format streamlines the data entry process by
allowing users to enter all required information on one screen. After all data are entered, Online
EDIE will generate a printable report clearly showing the amount of insurance coverage for those
The new Spanish language version incorporates updates to Online EDIE made in 2006 in response to
changes in FDIC deposit insurance coverage mandated by the Federal Deposit Insurance Reform Act of
2005. The most significant change was the increase in deposit insurance coverage from $100,000 to
$250,000 per depositor for Individual Retirement Accounts and certain other retirement accounts.
Spanish language EDIE can calculate deposit insurance coverage for personal and business accounts.
Personal accounts include single ownership accounts, individual retirement accounts, joint ownership
accounts and straightforward revocable trust accounts. Business accounts are deposit accounts owned
by corporations, partnerships and unincorporated associations, including for-profit and
In addition to Online EDIE, the FDIC provides a number of resources that are designed to help insured
institutions train their employees and inform their customers about FDIC deposit insurance coverage.
The FDIC encourages all insured financial institutions to take advantage of these free resources.
The FDIC deposit insurance resources for consumers and bankers, listed below, are available on the
FDIC's Web site at: www.fdic.gov/deposit/deposits/.
- EDIE-Banker Version is a special version of the Electronic Deposit
Insurance Estimator developed specifically for use by bank employees who answer depositor
questions about FDIC coverage on a frequent basis. Institutions can only obtain this application
by downloading it from the FDIC's Web site or ordering the EDIE-Banker Version CD-ROM.
- Overview on Deposit Insurance Coverage is a 27-minute video for bank
employees and bank customers that provides an overview of how FDIC deposit insurance works. It
focuses on the most common account ownership categories used by individuals and families.
- Seminar on Deposit Insurance Coverage is a 100-minute video targeted
to a banker audience. It is a comprehensive presentation on FDIC deposit insurance coverage,
describing the rules for coverage in different account ownership categories in detail, with
- Inventory of Deposit Insurance Guidance is a CD-ROM that contains all
of the FDIC's deposit insurance resources for consumers and bankers in one place. This
electronic support system is a categorized, searchable source of deposit insurance information.
- Insuring Your Deposits is a consumer brochure that explains the basic
and most common ownership categories of insurance, including single accounts, certain retirement
accounts, joint accounts and revocable trust accounts. Most depositors will find that this guide
satisfies their need for information about FDIC insurance coverage.
- Your Insured Deposits is a consumer brochure that explains in detail
the FDIC rules for coverage in all of the different deposit insurance ownership categories
(including living trust accounts). It is especially useful for large depositors and customers
with specific deposit insurance requirements.
- The Financial Institution Employee's Guide to Deposit Insurance is the
FDIC's most comprehensive reference guide on the rules for deposit insurance coverage. This
publication contains a detailed discussion of all account ownership categories recognized by the
FDIC and provides examples of differing levels of complexity that are not found anywhere else.
For more information about the new Spanish language EDIE or any of the FDIC's deposit insurance
resources, contact the FDIC Call Center toll-free at 1-877-275-3342.
Ordering FDIC Deposit Insurance Resources for Consumers and
Division of Supervision and Consumer