FDIC Deposit Insurance Coverage Limits by account ownership category

Single Accounts

(owned by one person)

$250,000 per owner

Joint Accounts

(owned by two or more persons)

$250,000 per co-owner

Certain Retirement Accounts

(includes IRAs)

$250,000 per owner

Revocable Trust Accounts

$250,000 per owner per beneficiary up to 5 beneficiaries (more coverage available with 6 or more beneficiaries subject to specific limitations and requirements)

Corporation, Partnership and Unincorporated Association Accounts

$250,000 per corporation, partnership or unincorporated association

Irrevocable Trust Accounts

$250,000 for the non-contingent, ascertainable interest of each beneficiary

Employee Benefit Plan Accounts

$250,000 for the non-contingent, ascertainable interest of each plan participant

Government Accounts

$250,000 per official custodian

To calculate your deposit insurance coverage

Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) at: www.fdic.gov/edie.

For questions about FDIC coverage limits and requirements

Visit www.FDIC.gov/deposit/deposits, call toll-free 1-877-ASK-FDIC, or ask a representative at your bank.

The more you know about FDIC deposit insurance coverage, the safer your money.

To ensure funds are fully protected, depositors should understand their coverage limits and confirm that a financial institution is FDIC-insured.

The FDIC sign (shown below) is displayed at every FDIC-insured institution and is a symbol of confidence for depositors.

Federal Deposit Insurance Corporation (FDIC) Logo

For more information from the FDIC

Calculate insurance coverage

Use the FDIC’s online Electronic Deposit Insurance Estimator at: www.fdic.gov/edie

Read more about FDIC insurance online

Visit: www.fdic.gov/deposit/deposits

Call toll-free

1-877- ASK-FDIC (1-877-275-3342)

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Send questions by e-mail

Use the FDIC’s online Customer Assistance Form at: www2.fdic.gov/starsmail

Mail questions

Federal Deposit Insurance Corporation
Attn: Deposit Insurance Outreach
550 17th Street, NW
Washington, DC 20429