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What is the FDIC?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. The FDIC protects depositors against the loss of their insured 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.

What does the FDIC insure?

The FDIC guarantees all traditional types of deposit accounts (checking, savings, money market savings and CDs) and bank individual retirement accounts (IRAs). Investment products (mutual funds, annuities, life insurance policies, stocks and bonds) are not FDIC insured, may lose value, and are not bank guaranteed.

What is the insurance limit?

On July 21, 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Depositors may qualify for more coverage if they have funds in different account ownership categories and all FDIC requirements are met.

To learn more, contact the FDIC toll-free at (877) ASK-FDIC (877-275-3342) from 8:00 a.m. until 8:00 p.m. ET or visit the FDIC website.

Where can I get more information about FDIC insurance?

You may visit our office or contact us to obtain a copy of the “FDIC – Your Insured Deposits” brochure. You may also call the FDIC at (877) ASK-FDIC (877-275-3342) or by visiting the FDIC website.