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FDIC Coverage Calculator
Estimate common FDIC insurance limits for CDs and other bank deposits.
What this is
A simple estimator for common FDIC coverage categories. FDIC rules can be more detailed for trusts, businesses, brokered deposits, and multiple ownership categories, so verify edge cases with the FDIC or your bank.
Estimate coverage at one bank
Include CDs, checking, savings, and money markets held at the same FDIC-insured bank.
Coverage is calculated separately by ownership category at each bank.
Estimated FDIC limitFor the selected category at one bank
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Estimated covered amountWithin the selected category limit
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Amount above estimateMay need another bank or ownership category
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Common coverage rules
- Single accounts: generally $250,000 per depositor, per FDIC-insured bank.
- Joint accounts: generally $250,000 per co-owner, per bank, if each owner has equal withdrawal rights.
- Retirement accounts: certain retirement deposits are generally insured separately up to $250,000.
- Revocable trusts / POD accounts: coverage can increase with eligible beneficiaries, subject to FDIC rules.
Bank brand names can be confusing
Two online brands may be the same FDIC-insured institution. Always check the FDIC certificate number when you are trying to stay inside coverage limits.
Holding more than one bank can insure?
Get a free, no-pitch Second Opinion — we’ll look at how your balances sit against FDIC and state-guaranty limits and send you a plain written take on where the money is safest.
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