The standard insurance amount is $250,000 per depositor.

The Dodd-Frank Wall Street Reform and Consumer Protection Act signed on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. For details, go to www.fdic.gov/deposit/deposits.

To calculate your deposit insurance coverage use the FDIC's Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie

For more information about FDIC coverage, visit www.fdic.gov.


The FDIC, recognizing the importance of financial education, created Money Smart as a free, computer based curriculum to help teens and adults build financial knowledge, develop financial confidence, and more effectively use banking services.

The FDIC offers the Money Smart curriculum free of charge, online and via CD-ROM.

Click here to access the online classes and improve your financial literacy! You'll learn about increasing savings, buying a home and improving your financial health. The training is self-paced and includes the following modules:

Bank on It - an introduction to banking services

Borrowing Basics - an introduction to credit

Check It Out - how to choose and keep a checking account

Money Matters - how to keep track of your money

Pay Yourself First - why you should save, save, save!

Keep It Safe - your rights as a consumer

To Your Credit - how your credit history will affect your credit future

Charge It Right - how to make a credit card work for you

Loan To Own - know what you're borrowing before you buy

Your Own Home - what home ownership is all about