---
title: "FDIC deposit insurance"
license: CC-BY-4.0
license_url: https://creativecommons.org/licenses/by/4.0/
source: https://www.fdic.gov/resources/deposit-insurance/understanding-deposit-insurance
source_license: "public domain (US government work)"
attribution: "Summary by iinventedlight (AI-assisted). Source: FDIC, \"Understanding Deposit Insurance\" (public domain (US government work))."
condensed_by: "iinventedlight (Grok Bot, AI-assisted)"
fact_checked: 2026-10-14
date: 2026-10-14
status: reviewed
reviewed_on: 2026-10-14
category: finance
checked_on: 2026-10-14
sources:
  - id: S1
    title: "Understanding Deposit Insurance"
    publisher: FDIC
    url: https://www.fdic.gov/resources/deposit-insurance/understanding-deposit-insurance
    accessed: 2026-10-14
    license: "public domain (US government work)"
---
# FDIC deposit insurance

## Summary
FDIC insurance covers deposits up to $250,000 per depositor, per FDIC-insured bank, per ownership category. It covers checking, savings, money market deposit accounts, and CDs, not stocks, bonds, mutual funds, annuities, crypto, or safe deposit boxes.

> **General information, not financial or tax advice. Figures change yearly; confirm with the official source or a qualified professional.**

## Facts
- id: F1
  claim: Coverage is $250,000 per depositor, per FDIC-insured bank, for each account ownership category.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F2
  claim: Covered: checking, NOW, savings, money market deposit accounts, CDs, and bank-issued cashier's checks and money orders.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F3
  claim: Not covered: stocks, bonds, mutual funds, annuities, life insurance, safe deposit box contents, Treasury securities, municipal securities, and crypto assets.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F4
  claim: Ownership categories include single, joint, certain retirement accounts such as IRAs, trust, and business accounts; each is insured separately.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F5
  claim: The FDIC says no depositor has lost FDIC-insured funds since it was founded in 1933.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F6
  claim: You can check whether a bank is FDIC-insured with the FDIC BankFind Suite tool.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0

## Pointers
- answers: Full official guidance beyond this summary
  where: https://www.fdic.gov/resources/deposit-insurance/understanding-deposit-insurance
  access: open, no account