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Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

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Financial Institution Letters

Standard Deposit Insurance Coverage Amount of $250,000 Made Permanent
Official FDIC Sign Updated and Available
July 22, 2010

Summary: The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

  • The Dodd-Frank Wall Street Reform and Consumer Protection Act has made permanent the current SMDIA of $250,000. (The SMDIA was otherwise scheduled to return to $100,000 on January 1, 2014.)
  • The FDIC has updated the FDIC official sign for advertising deposit insurance coverage as prescribed in Part 328 of the FDIC's regulations.
  • Insured depository institutions may order FDIC official signs from the FDIC, free of charge, at
  • The FDIC encourages all insured depository institutions to acquire and post the new official sign without delay to increase depositor awareness of the permanent increase in deposit insurance coverage.
  • All of the FDIC's deposit insurance coverage materials posted on its website - including "EDIE," its Electronic Deposit Insurance Estimator - have been updated to reflect the permanent $250,000 coverage.

FDIC-Insured Institutions

Suggested Routing:
Chief Executive Officer
Head of Deposit and Branch Operations
Chief Compliance Officer
Training Officer

Related Topics:
FDIC Deposit Insurance Regulations 12 C.F.R. Part 328 & 330

FDIC Call Center at 1-877-275-3342

Printable Format:
FIL-40-2010 - PDF (PDF Help)

FDIC financial institution letters (FILs) may be accessed from the FDIC's Web site at

To receive FILs electronically, please visit

Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).

Last Updated 10/28/2015

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