United States · FDIC public data
FDIC bank lookup by name or cert number.
Check whether a U.S. bank appears in the FDIC’s institution records, whether it is active or inactive, where it is based and when its deposit insurance began.
Find an institution
Result
Enter a bank name or certificate number.
Worked example
Searching 3510 returns Bank of America, National Association, Charlotte, NC: Active, deposit insurance began January 1, 1934 (FDIC data checked 30 September 2026). Searching Chase returns many records; JPMorgan Chase Bank, National Association is cert 628 (Columbus, OH). A record such as Chase Bank USA, National Association (cert 23702) shows Inactive with a record end date of May 18, 2019, which usually means the charter was folded into another institution, not that anything is wrong today.
How to read the fields
- FDIC cert: the FDIC’s unique institution number (field
CERT). - Status: Active when the FDIC record’s
ACTIVEflag is 1, otherwise Inactive. - Deposit insurance began: the FDIC
INSDATEfield. Older banks show 1934, the start of federal deposit insurance. - Record ended: the
ENDEFYMDend date, shown only for inactive institutions.
Deposit insurance limits
The FDIC says deposits are automatically insured to at least $250,000 at each FDIC-insured bank, and that the protection applies only to deposits at FDIC-insured banks. Coverage depends on ownership category and on how much you hold at the same bank, so use the FDIC’s own tools for your situation. This page shows institution records, not your coverage, and it is not financial or legal advice. Investments such as stocks, bonds and crypto are not deposits. Source: FDIC Deposit Insurance ↗, read 30 September 2026.
Limits of this lookup
The tool queries the FDIC’s anonymous public API, which is rate-limited; if you hit the limit, wait a minute. Name searches are fuzzy and capped at 10 results. Credit unions are insured by the NCUA, not the FDIC, and will not appear. Always confirm a bank before sending money, especially when contacted by text, email or a new website.
FAQ
What is an FDIC certificate number?
The unique number the FDIC assigns each insured institution. It survives name changes, so it is the most reliable way to confirm which bank you mean.
If a bank shows Inactive, are my deposits at risk?
Not necessarily. Many inactive records are mergers or charter changes. Look up the current institution and check FDIC guidance before moving money.
How much does FDIC insurance cover?
At least $250,000 per FDIC-insured bank per the FDIC; the exact amount depends on ownership category.