FDIC Insurance Coverage Calculator

The FDIC insures up to $250,000 per depositor, per insured bank, per ownership category. If you have accounts in multiple ownership categories at the same bank, each category gets its own separate $250,000 of coverage.

Each co-owner's share of all joint accounts at the same bank is added together and insured up to $250,000 per co-owner — separately from that person's single-ownership coverage. A two-person joint account can have up to $500,000 in combined coverage.

Certain retirement accounts, including traditional and Roth IRAs, are insured up to $250,000 per owner, per bank — separate from that owner's single and joint account coverage.

Revocable trust deposits (including informal 'payable on death' accounts) are insured up to $250,000 per owner, per unique beneficiary, up to a maximum of $1,250,000 per owner at each bank. All of an owner's revocable and irrevocable trust deposits at the same bank are added together against this cap.

Amounts above your insured total at a single bank aren't FDIC-insured — spreading deposits across different ownership categories, or across separate FDIC-insured banks entirely, can extend your coverage. The FDIC's own EDIE tool can confirm exact coverage for complex situations.