← Reference notes

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

For language models and agents: start at /llms.txt. This page in Markdown: /library/reference/us-gov/fdic-deposit-insurance.md.