FDIC Insurance

The following helpful information and links can found on the FDIC’s website. The information and links are provided for informational purposes.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. The FDIC protects depositors against the loss of their insured deposits, up to applicable limits, if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

View the FDIC's Summary of Deposit Insurance Coverage.

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

The FDIC has simplified its rules for insurance coverage of revocable trust deposits, effective October 8, 2008. The new rules provide at least the same coverage as the former rules. View the new rules.

The FDIC's Electronic Deposit Insurance Estimator (EDIE) is an interactive application that can help you learn about deposit insurance and calculate the insurance coverage of your accounts.

Is My Account Fully Insured?

This interactive tool allows failed bank customers the ability to verify whether their account is fully insured or they need to contact FDIC. Click here to use this tool.

The customer must enter each account number to determine that account's status. If you have multiple accounts with the failed bank, please enter each account number one at a time.

This service will be available for use no later than the first business day after a bank failure. This service is only available for banks that failed after July 1, 2008.

Failed Bank List

View the FDIC's Failed Bank List

The FDIC is often appointed as receiver for failed banks. This page contains useful information for the customers and vendors of these banks. This includes information on the acquiring bank (if applicable), how your accounts and loans are affected, and how vendors can file claims against the receivership.

Please visit FDIC.gov for complete FDIC Insurance Information.