Search the bank’s legal name in the FDIC’s BankFind Suite, then compare the result with the institution named in your account agreement or statements. If you use a financial app or brand, verify the partner bank that actually holds the deposit—not just the app’s name. An FDIC-insured listing confirms the institution’s status; it does not mean every product or every dollar is insured.
How to check whether a bank is FDIC-insured
- Search BankFind. Open the FDIC’s BankFind Suite and search for the institution. Use its location or other identifying details to distinguish banks with similar names. The directory can show institution details, branches, official website, operating status, and regulator. The linked sample result displays data as of September 29, 2026; that date applies to that result, so check the directory for the bank you use.
- Match the result to your account. Compare the legal institution name, website, and location with your account agreement, statements, or the bank’s official website. A familiar brand name may not be the legal name of the bank holding your money.
- If an app or fintech brand is involved, identify its partner bank. Read the account terms to find which bank holds the deposit, then search for that bank in BankFind. A claim or badge displayed by an app does not, on its own, establish that the app is a bank or that a particular account qualifies for pass-through coverage.
The FDIC also suggests asking a bank representative or looking for FDIC signage at a bank. Those can help, but BankFind gives you an official searchable record. If the result is unclear, contact the FDIC at 1-877-275-3342 or through its Information and Support Center.
What an FDIC-insured result does—and does not—tell you
A BankFind listing establishes the insured status represented by the FDIC’s record for that institution. It does not determine whether your particular account is titled correctly, how much coverage applies to your balances, or whether a fintech arrangement meets requirements for pass-through insurance. For those questions, review the account terms and ask the bank or FDIC.
When a qualifying deposit account is opened at an FDIC-insured bank, coverage is automatic; depositors do not apply for or buy it separately. As the FDIC puts it, “FDIC deposit insurance only covers deposits, and only if your bank is FDIC-insured.” See the FDIC’s Understanding Deposit Insurance guide.
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How much FDIC insurance applies?
The standard limit is $250,000 per depositor, per FDIC-insured bank, per ownership category, according to the FDIC’s current guidance accessed in 2026. It is a coverage limit, not a guarantee that each account—or every customer—has $250,000 of protection. Coverage includes principal and accrued interest through the date of an insured bank’s failure, subject to the applicable limit.
The FDIC combines deposits held by one depositor in the same ownership category at the same insured bank. Having different account types does not by itself create separate limits: checking, savings, and CDs in the same category are aggregated. Accounts at different branches of the same bank are not separately insured; deposits at separately chartered insured banks are treated separately.
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Ownership categories include single, joint, certain retirement, trust, employee benefit plan, business, and government accounts. You may be eligible for more than $250,000 of coverage at one bank across different categories, but each category has its own legal requirements. Trust and business coverage can depend on the details of the arrangement, so do not rely on a simplified example for a precise limit. The FDIC’s General Principles of Insurance Coverage explains how categories are treated.
Which products are covered—and which are not?
Generally eligible deposits
Examples include checking and savings accounts, money market deposit accounts, and time deposits such as certificates of deposit. Official items issued by a bank, including cashier’s checks and money orders, are also included. A prepaid card is covered only when the applicable FDIC requirements are met. The FDIC’s deposit-account coverage guide and Your Insured Deposits brochure describe covered products.
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Not FDIC-insured deposits
FDIC insurance does not cover non-deposit investments or valuables simply because a bank sells, offers, or stores them. Exclusions include stocks, bonds, mutual funds, annuities, life-insurance policies, municipal securities, crypto assets, and the contents of safe-deposit boxes. U.S. Treasury bills, notes, and bonds are also not FDIC-insured deposits; they have separate U.S. government backing.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Estimate coverage for multiple accounts
Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) to model accounts by bank and ownership category. Its estimate depends on accurate account and ownership details and on meeting the category’s requirements. For complicated trust, business, or fintech arrangements, ask the bank or FDIC rather than treating an estimate as a ruling on your specific account.
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