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.
- Is Your Bank Insured? The BankFind tool can help you find out if your banking institution is insured.
- Are Your Accounts Covered? Not all accounts, products, and investments are covered by FDIC insurance. Find out what is—and is not—covered.
- How Much of Your Deposits Are Insured? Use the Electronic Deposit Insurance Estimator (EDIE) to find out.
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
- Deposit Insurance Coverage Seminars for Bankers. Covers the fundamentals of deposit insurance, advanced insurance topics, and insurance coverage for specific products, like Revocable Trust Accounts.
- Bank Employee’s Guide to Deposit Insurance. Helps bank employees provide accurate information about FDIC insurance coverage to their depositors.
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.