Find the most frequently asked questions about FDIC insurance.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the U.S. government that protects the funds depositors place in banks and thrift institutions.

FDIC insurance is backed by the full faith and credit of the U.S. government. Since the FDIC was established in 1933, no depositor has ever lost a penny of FDIC-insured funds.

The FDIC’s basic insurance limit is $250,000 per depositor per insured bank for each account ownership category.

For more information, read the FAQ below or contact your banker to help you maximize your FDIC insurance coverage. You may also visit EDIE, the Electronic Deposit Insurance Estimator, or FDIC for the most recent information.