What's New: As reported in the April 2006 FDIC Consumer News Special Bulletin, FDIC insurance for certain retirement deposits has increased to $250,000 from $100,000 previously. The higher coverage, the result of a new law, applies to the combined total that a consumer has at any one banking institution in Individual Retirement Accounts (both traditional and Roth IRAs), self-directed Keogh accounts, "457 Plan" accounts for state government employees, and employer-sponsored "defined contribution plan" accounts that are self-directed, which are primarily 401(k) accounts. In general, self-directed means that the consumer chooses how and where the money is deposited.