How much does FDIC insurance cover?

$250,000 per depositor, per insured bank, per ownership category. Because coverage stacks across categories, one person can be insured for well over $250,000 at a single bank.

How does FDIC coverage work for joint accounts?

Each co-owner of a joint account is insured up to $250,000 for their share, so a joint account with two owners is insured up to $500,000 — separately from each owner's single accounts.

Are retirement accounts insured separately?

Yes. Certain retirement deposits, including traditional and Roth IRAs, fall in their own ownership category insured up to $250,000, separate from your single and joint accounts at the same bank.

How are revocable trust accounts insured?

Revocable trust deposits (including payable-on-death accounts) are generally insured up to $250,000 per eligible beneficiary. Trust rules can be complex, so confirm your exact figure with the FDIC's EDIE estimator.

Is this calculator official FDIC advice?

No. It is an educational estimate that simplifies some rules and assumes a single bank. For an authoritative figure, use the FDIC's official EDIE estimator at edie.fdic.gov.

Tools / Calculator

FDIC insurance calculator

FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category. Enter your balances below to estimate how much is protected at one bank — and whether any dollars sit above the limit.

Enter a balance above to estimate your coverage at one FDIC-insured bank.

This is an educational estimate, not official advice or a guarantee of coverage. It assumes deposits at a single FDIC-insured bank and simplifies trust rules. Confirm your exact figure with the FDIC’s official EDIE estimator. See our disclaimer and FDIC safety guide.

Frequently asked questions

How much does FDIC insurance cover?: $250,000 per depositor, per insured bank, per ownership category. Because coverage stacks across categories, one person can be insured for well over $250,000 at a single bank.
How does FDIC coverage work for joint accounts?: Each co-owner of a joint account is insured up to $250,000 for their share, so a joint account with two owners is insured up to $500,000 — separately from each owner's single accounts.
Are retirement accounts insured separately?: Yes. Certain retirement deposits, including traditional and Roth IRAs, fall in their own ownership category insured up to $250,000, separate from your single and joint accounts at the same bank.
How are revocable trust accounts insured?: Revocable trust deposits (including payable-on-death accounts) are generally insured up to $250,000 per eligible beneficiary. Trust rules can be complex, so confirm your exact figure with the FDIC's EDIE estimator.
Is this calculator official FDIC advice?: No. It is an educational estimate that simplifies some rules and assumes a single bank. For an authoritative figure, use the FDIC's official EDIE estimator at edie.fdic.gov.

Want the full picture? Read how FDIC insurance works or scan your bank to confirm it is FDIC-insured.