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FDIC Insurance

FDIC Deposit Insurance Coverage

The standard insurance amount is $250,000 per depositor, per insured bank, for each ownership category.

The following chart shows standard insurance amounts for FDIC account ownership categories. All deposits that an accountholder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount.

Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met (for details on the requirements, go to


FDIC Deposit Insurance Coverage Limits by Account Ownership Category

Accounts FDIC Deposit Insurance Coverage Limits
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 unique beneficiary
Corporation, Partnership and Unincorporated Association Accounts $ 250,000 per corporation, partnership or unincorporated association
Irrevocable Trust Accounts $ 250,000 for the non-contingent interest of each unique beneficiary
Employee Benefit Plan Accounts $ 250,000 for the non-contingent interest of each plan participant
Government Accounts $ 250,000 per official custodian (more coverage available subject to specific conditions)


To calculate your deposit insurance coverage, use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) at:

For questions about FDIC coverage limits and requirements, visit or call toll-free 1-877-ASK-FDIC


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