The standard FDIC insurance covers up to $250,000 per depositor, per FDIC-insured bank, per ownership category.
This means your coverage depends on:
- How your accounts are titled (e.g., individual, joint, revocable trust (Beneficiaries))
- Where your accounts are held (each FDIC-insured bank is covered separately)
- The total balance across all accounts in the same ownership category
To get a personalized estimate of your coverage, you can use the FDIC’s Electronic Deposit Insurance Estimator (EDIE).