Online/Mobile Banking Contact Careers Lost or Stolen Cards
back to the_serious_account

FDIC Insurance Limits

UPDATED INFORMATION as of January 1, 2013:

Basic FDIC Deposit Insurance Coverage Limits

Single Accounts (owned by one person)

$250,000 per owner

Joint Accounts (two or more persons)

$250,000 per co-owner

IRAs and certain other retirement accounts

$250,000 per owner

Revocable Trust Accounts

$250,000 per owner per beneficiary 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 participant

Government Accounts

$250,000 per official custodian



By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all non-interest bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000.00), for each deposit insurance ownership category.More FDIC insurance detail may be found at:

MEMBER FDIC                                                                                             

Revised effective January 1, 2013.

back to The Fine Print