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Deposit Insurance

Last Updated: November 4, 2021

Deposit insurance is one of the significant benefits of having an account at an FDIC-insured bank—it’s how the FDIC protects your money in the unlikely event of a bank failure. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. And you don’t have to purchase deposit insurance. If you open a deposit account in an FDIC-insured bank, you are automatically covered. Check out the resources on this page to learn more about deposit insurance.

Are My Deposits Insured?

Use the tools below to double check that your accounts and bank are FDIC-insured and to find out how much insurance coverage you have.

Answers to More of Your Deposit Insurance Questions

What happens if my bank fails? How do I get deposit insurance? What accounts are not covered? What if my deposits exceed the coverage limit? The FDIC provides a number of resources to answer these questions and more.

Information for Bankers

Looking for more? Contact the FDIC.

  • 1-877-ASK-FDIC. Call us to determine your deposit insurance coverage or ask any other specific deposit insurance questions.
  • FDIC Information and Support Center. Submit a request or complaint, check on the status of a complaint or inquiry, or securely exchange documents with the FDIC.