Federal Deposit Insurance Corporation 

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FDIC insurance covers all types of deposits at an insured bank, including deposits in checking, savings, money market, and certificates of deposit.  FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if these investements were purchased from an insured bank. 

 

The basic insured amount for a depositor is $100,000.  Deposits maintained in different categories of legal ownership are separately insured.  Therefore, it is possible for you to have more than $100,000 insurance coverage in a single institution if the funds are owned and deposited in different ownership categories..... 

 

For details of FDIC coverage of your deposits, please obtain our pamphlet "Questions & Answers: Your Insured Deposits" or use this link to "Edie" (Electronic Deposit Insurance Estimator) located on the government's FDIC web page. Learn more about deposit insurance and estimate the adequacy of your deposit insurance.