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Financial Institution Employee’s Guide to Deposit Insurance

Account Ownership Categories

Last Updated: May 29, 2024

Account Ownership Categories

View Account Ownership Categories as a PDF

This chapter provides a detailed discussion of the FDIC's deposit insurance coverage rules and requirements for each of the following ownership categories:

The order in which the 12 ownership categories are discussed in this Employee's Guide is based on the frequency of interest in each category by depositors and bankers contacting the FDIC.

In the deposit insurance examples provided in this Employee’s Guide, assume the account owners do not have any deposit accounts except those mentioned. Also, unless otherwise indicated, assume all owners and beneficiaries are alive.

For More Information from the FDIC

Call Toll-Free
1-877-ASK-FDIC (1-877-275-3342)

Calculate deposit insurance coverage using the FDIC’s Electronic Deposit Insurance Estimator (EDIE)

Read more about FDIC deposit insurance on our Deposit Insurance webpage

View frequently asked questions on deposit insurance coverage

Order FDIC deposit insurance products through the FDIC Online Catalog

Submit deposit insurance questions online using the FDIC Information and Support Center

Submit deposit insurance questions by U.S. Mail
Federal Deposit Insurance Corporation
Attn: Deposit Insurance Unit
550 17th Street, NW
Washington, DC 20429

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