FDIC Deposit Insurance Coverage Limits by account ownership category | |
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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 coverageUse the FDIC’s Electronic Deposit Insurance Estimator (EDIE) at: www.fdic.gov/edie. |
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For questions about FDIC coverage limits and requirementsVisit 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.
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)
Hearing impaired line
1-800-925-4618
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