Insuring Your Deposits

Deposit insurance is one of the significant benefits of having an account at an FDIC-insured bank. And you don’t have to purchase deposit insurance.

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC’s creation in 1933, no depositor has ever lost even one penny of FDIC-insured deposits.

Check out the resources on this page to learn more about deposit insurance.

Are Your Accounts Covered? Not all accounts, products, and investments are covered by FDIC insurance. Find out what is—and is not—covered.

How Much of Your Deposits Are Insured? Use the Electronic Deposit Insurance Estimator (EDIE) to find out. EDIE lets you know how the insurance rules and limits apply to your specific group of deposit accounts – what’s insured and what portion (if any) exceeds coverage limits per bank. EDIE also allows you to print the report for your records.