FDIC Information

Find the most frequently asked questions about FDIC insurance here.
The Federal Deposit Insurance Corporation 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 FAQs 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.

FDIC FAQs

  • What does the FDIC insure?
  • What is the basic insurance limit?
  • I have accounts in multiple categories at a financial institution. The combined value of the accounts exceeds the basic insurance amount of $250,000. Are all of my funds insured?
  • Where can I get more information about FDIC insurance?
  • How do I file a complaint with the FDIC?