US FDIC deposit insurance: coverage limits
Understand the standard FDIC limit, ownership categories and the difference between insured deposits and investments. General US information only.
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- Standard coverage
- $250,000 per depositor, per insured bank, per ownership categoryFDIC, understanding deposit insurance
The standard limit
FDIC deposit insurance covers $250,000 per depositor, per FDIC-insured bank, for each account ownership category. The limit is not a separate allowance for every account. FDIC administers deposit insurance for insured banks; this guide does not determine an individual account's coverage. FDIC, understanding deposit insurance (opens in a new tab).
Accounts and ownership categories
Deposits at the same insured bank in the same ownership category are combined for coverage purposes. Single accounts, joint accounts and certain retirement accounts are distinct ownership categories. Deposits at separately insured banks are covered separately. FDIC, understanding deposit insurance (opens in a new tab).
Deposits and investments differ
Covered deposit types include checking and savings accounts and certificates of deposit. Stocks, bonds, mutual funds, crypto assets, life insurance policies and annuities are outside FDIC deposit insurance. A deposit-interest illustration does not establish that the institution or account is insured. FDIC, understanding deposit insurance (opens in a new tab).
Deposit-interest illustration
A deposit-interest illustration does not determine FDIC coverage. Interest from entered assumptions is illustrated by the US term deposit calculator (opens in a new tab).