FDIC insurance coverage calculator, by ownership category.

The short answer

The FDIC insures deposits up to $250,000 per depositor, per FDIC-insured bank, for each account ownership category. Everything you hold in the same category at the same bank is added together, but money in different categories is insured separately. The categories on the FDIC's page are single accounts, joint accounts, certain retirement accounts, trust accounts, employee benefit plan accounts, corporation, partnership and unincorporated association accounts, and government accounts.

How the calculator works

For each category it compares your balance with that category's limit and reports the insured part and the part over the limit. For trusts, the limit is $250,000 multiplied by the number of beneficiaries you enter, with a maximum of five counted. It treats the figures as deposits at one bank; run it again for another bank, because coverage is separate at each FDIC-insured bank.

Worked example

At one bank you hold $300,000 in your own checking and savings, $400,000 in a joint account with your spouse (your share is $200,000), and $200,000 in an IRA. Single: $250,000 insured, $50,000 over. Joint: $200,000 insured. IRA: $200,000 insured, because an IRA is a different category. Total insured: $650,000 of $700,000, with $50,000 uninsured.

Rules that change the answer

• Qualifying joint accounts. All co-owners must be natural persons, each must have signed the account's signature card (with limited exceptions) and each must have withdrawal rights on the same basis (12 CFR 330.9(c)).
• Several people who can withdraw. If more than one natural person can withdraw from an account titled to one person, it is treated as joint unless the records clearly show other signers are only authorized on the owner's behalf. Powers of attorney are excluded (330.6(a)).
• Trusts. Coverage counts beneficiaries identified by each grantor, up to five. Beneficiaries include people and recognized non-profit organizations; the grantor is not counted, and neither is a person who inherits only if a named beneficiary has died (330.10(c)).
• Sole proprietors. A sole proprietorship's business account is treated as the owner's individual account and added to their other single accounts (330.6(b)).
• What is not insured. Stocks, bonds, mutual funds, annuities, life insurance, Treasury securities, municipal securities and crypto assets are not deposits, even if sold through a bank, and a bank must be FDIC-insured for any coverage to apply.

Limits of this tool

• Government accounts, employee benefit plan pass-through coverage, mortgage servicing and other special cases are not modeled.
• It does not know how your bank titles an account. The FDIC decides coverage from the bank's deposit account records.
• For a definitive answer use the FDIC's Electronic Deposit Insurance Estimator (EDIE) or call the FDIC at 877-275-3342.

FAQ

What is the FDIC insurance limit?

The FDIC insures deposits up to $250,000 per depositor, per FDIC-insured bank, for each account ownership category.

Are joint accounts insured separately from single accounts?

Yes. A qualifying joint account is insured separately from the co-owners' individual accounts, and each co-owner's interests in all qualifying joint accounts at the bank are added together and insured up to $250,000.

How much are trust accounts insured for?

Trust deposits are insured up to $250,000 multiplied by the number of beneficiaries identified by each grantor, up to a maximum of 5 beneficiaries.

Is an IRA insured separately from my checking account?

Yes. Certain retirement accounts such as IRAs are a different ownership category from single accounts, so an IRA at the same bank is insured separately up to $250,000.

Does FDIC insurance cover stocks or crypto?

No. The FDIC lists stock investments, bonds, mutual funds, annuities, life insurance policies, Treasury securities, municipal securities and crypto assets as not covered.

Does the limit apply per bank or per account?

Per bank. Deposits in the same ownership category at the same FDIC-insured bank are added together, while deposits at a different FDIC-insured bank are covered separately.

Where can I get an official coverage estimate?

The FDIC offers its Electronic Deposit Insurance Estimator, known as EDIE, and a call line at 877-275-3342.

Sources

Retrieved 2026-11-02. Each link was opened and checked against the claim next to it.

• FDIC, "Understanding Deposit Insurance": the $250,000 limit, ownership categories, covered and non-covered products, EDIE and the 877-275-3342 line (page last updated April 1, 2024; read 2026-11-02)
• 12 CFR 330.1, Definitions (eCFR, 2026-10-29): the standard maximum deposit insurance amount of $250,000 and the definitions of natural person and sole proprietorship (read 2026-11-02)
• 12 CFR 330.6, Single ownership accounts (eCFR): individual and sole proprietorship aggregation, and the several-withdrawers exception (read 2026-11-02)
• 12 CFR 330.9, Joint ownership accounts (eCFR): separate coverage, co-owner aggregation and qualifying joint account requirements (read 2026-11-02)
• 12 CFR 330.10, Trust accounts (eCFR): the beneficiary-based calculation and five-beneficiary maximum (read 2026-11-02)
• 12 CFR 330.11, Corporation, partnership or unincorporated association accounts (eCFR): aggregation of an entity's accounts at the standard maximum (read 2026-11-02)
• 12 CFR 330.14, Retirement and other employee benefit plan accounts (eCFR): $250,000 per participant for IRAs and certain other retirement deposits (read 2026-11-02)