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Home > Consumer Protection > Consumer News & Information > FDIC's Depositor Bill of Rights

FDIC's Depositor Bill of Rights

You have the right to:

  1. Automatic deposit insurance coverage when you open a deposit account at an FDIC-insured bank, with no additional action on your part.

  2. Separate FDIC insurance coverage for deposits held at different FDIC-insured banks.

  3. Confirm that a bank is insured by using the FDIC's Bank Find service (www2.fdic.gov/IDASP/main_bankfind.asp) or by calling the FDIC toll-free at 1-877-275-3342.

  4. FDIC insurance coverage of at least $250,000 for your deposits at an FDIC-insured bank.*

  5. Deposit insurance coverage of more than $250,000 at a single bank when deposits are held in different "ownership categories," such as a single, joint and trust accounts.*

  6. Confirm that your deposits are within the insurance limits by using EDIE the Estimator at www.FDIC.gov/edie or by calling 1-877-ASK-FDIC.

  7. Be informed when a financial product offered by your bank is not covered by FDIC insurance.

  8. Prompt access to your insured deposits in the event your bank fails.

  9. Receive distributions from the receivership if you are an uninsured depositor, as the sale of assets permits.

  10. Sleep well, knowing that since the creation of the FDIC 75 years ago, no depositor has ever lost one penny of insured deposits.

* FDIC coverage for certain retirement accounts increased permanently to $250,000 per depositor in 2006. FDIC coverage for other deposit accounts increased temporarily to $250,000 per depositor through December 31, 2009. On January 1, 2010, FDIC coverage will return to $100,000 per depositor for all deposits except certain retirement accounts, which will continue to be insured to $250,000 per owner.

Last Updated 12/12/2008 Customer Assistance On-line Form

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