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FDIC Coverage

Banking with a sound institution like ours is your best defense against uncertain times. Another layer of protection is our bank's membership with the Federal Deposit Insurance Corporation, FDIC. This independent agency of the U.S. government provides insurance protection for depositors if an FDIC-insured bank or savings association fails. By banking with us, your deposits are automatically covered by the FDIC.

What does FDIC insurance cover?

All types of deposits are covered, including the following:

  • Checking accounts
  • Savings accounts
  • Money market deposit accounts
  • Certificates of Deposit (CDs)

What is not insured by the FDIC?

FDIC deposit insurance does not cover non-deposit investment products, including the following:

  • Stocks
  • Bonds
  • Mutual funds
  • Money Market Mutual Fund Investment Accounts
  • Repurchase Sweeps
  • Life insurance policies
  • Annuities or municipal securities, even those purchased from an insured bank


​Basic 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 (including 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


Still have questions?

  • Visit fdic.gov or call 1.877.ASK.FDIC (877.275.3342).
  • Calculate your coverage and learn more about coverage for specific types of accounts at fdic.gov/edie.