Preserving Trust and Financial Stability
Comprehensive deposit insurance, supervisory standards, and consumer financial protection for an enduring banking system.
FOUNDATIONS
Safeguarding bank deposits and stability.
Confidence and stability in the nation's financial system through vital regulatory mandates.
DEPOSIT INSURANCE
Guaranteeing deposits up to $250,000 per account.
SUPERVISION
Monitoring banks to uphold safety and compliance.
PROTECTION
Empowering consumers with transparent financial rights.
EDUCATION
Fostering economic literacy for all communities.
FDIC Regulation
Understanding Your Deposit Insurance Coverage
FDIC insurance is automatic whenever an account is opened at an FDIC-insured institution. No application is required.
Standard Coverage
$250,000
$250,000 per depositor, per insured bank, per account ownership category.
Covered Accounts
Checking, savings, money market deposit accounts (MMDAs), certificates of deposit (CDs), and official bank checks.
Not Covered
Stock investments, mutual funds, annuities, crypto assets, life insurance policies, or municipal securities.
Supervision, Resolution, and Financial Resilience
Maintaining public confidence requires rigorous oversight, continuous risk assessments, and orderly resolutions of troubled institutions.
Institution Examination: Proactive evaluation of capital adequacy, asset quality, management capability, earnings, liquidity, and sensitivity to market risk.
Orderly Resolution: Resolving failed banks in a manner that preserves immediate depositor access to insured funds and minimizes disruption to local communities.
Quarterly Banking Profile: Publishing authoritative industry data, banking sector trends, and economic reports for policymakers and the public.
Consumer Guidance
Frequently Asked Questions on Deposit Protection
Clear, factual answers to essential public inquiries regarding bank safety, account categories, and consumer safeguards.
FDIC Public Information & Consumer Assistance
Need assistance verifying insurance coverage, finding bank records, or submitting a consumer inquiry? Our public assistance specialists are here to help.
National Consumer Support
(877) ASK-FDIC / (877) 275-3342
Headquarters
550 17th Street NW, Washington, DC 20429
Hours of Operation
Monday – Friday, 8:00 AM – 6:00 PM ET