Transparency & Accountability - Deposit Insurance for Bankers
Deposit insurance is at the core of the FDIC's mission, and it is vital to ensuring the safety and soundness of our nation's financial system. To accomplish this, the FDIC maintains the Deposit Insurance Fund (DIF), which is primarily funded through quarterly assessments on insured institutions. The FDIC provides a number of resources to help bankers understand and calculate their deposit insurance assessments, and understand how the FDIC manages the DIF.
If you have questions, suggestions, or requests about deposit insurance assessments, you can contact us directly and confidentially using our online form.
|Small Banks||Large Banks|
|Requests for Adjustment
to Total Score
(Large Bank Pricing Scorecard)
|Requests for Review of
|Appeals of Decision||2||1|
|Generally, large banks are defined as institutions with total assets of $10 billion or more and small banks have total assets under $10 billion.|
|5 Points||10 Points||15 Points|
|Adjustments in effect through September 30, 2022, will be determined using reported third quarter 2022 Call Report data and finalized on December 31, 2022 (assessments are calculated and invoiced quarterly in arrears). For historical data on adjustments in effect since implementation of scorecards (second quarter, 2011), including FDIC-initiated and bank-requested, see: Large and Highly Complex Bank Requests for Adjustments to Total Score in Large Bank Pricing Scorecards|
This Guide is intended to assist depository institutions insured by the FDIC in providing accurate information about FDIC insurance coverage to their depositors.
Learn how the DIF is funded and its role in protecting depositors.