FDIC Deposit Insurance Coverage
Limits
by account ownership category |
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 beneficiary up to 5 beneficiaries (more coverage
available with 6 or more beneficiaries subject to specific limitations
and requirements) |
| Corporation, Partnership and Unincorporated Association Accounts |
$ 250,000 per corporation, partnership or unincorporated association |
| Irrevocable Trust Accounts |
$ 250,000 for the non-contingent, ascertainable interest of each beneficiary |
| Employee Benefit Plan Accounts |
$ 250,000 for the non-contingent, ascertainable interest of each plan
participant |
| Government Accounts |
$ 250,000 per official custodian |
To calculate your deposit insurance
coverage
Use the FDIC’s Electronic
Deposit Insurance Estimator
(EDIE) at: www.fdic.gov/edie. |
For questions about FDIC
coverage limits and requirements
Visit www.FDIC.gov/deposit/deposits, call toll-free
1-877-ASK-FDIC, or ask a representative at your bank. |
| 1Beginning December 31, 2010 through December
31, 2012, deposits held in noninterest-bearing transaction accounts
will be fully insured, regardless of the amount in the account,
at all FDIC-insured institutions. |