SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/teen-fdic-limit

FDIC insurance covers at least how much per depositor, per bank, per ownership category?

At least $250,000 per depositor, per bank, per ownership category.

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  1. $25,000
  2. $1 million
  3. $250,000 ✔

Why: If an FDIC-insured bank fails, the FDIC protects your deposits up to $250,000 per ownership category, such as single or joint accounts.

Huh, didn't know that: Joint accounts and single accounts at the same bank are insured separately.

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"A bank is a place that will lend you money if you can prove that you don't need it." (Bob Hope)
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References

Answer: $250,000. If an FDIC-insured bank fails, the FDIC protects your deposits up to $250,000 per ownership category, such as single or joint accounts.

  1. FDIC: Understanding Deposit Insurance www.fdic.gov/resources/deposit-insurance/understanding-deposit-insurance
    insuring deposits to at least $250,000 per depositor, per ownership category at each FDIC-insured bank
    Checked 2026-10-10.

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Test yourself in the game

MoneyWhich of these is NOT covered by FDIC deposit insurance?MoneySince 1933, how much FDIC-insured money has a depositor lost because of a bank failure?MoneyWhat is direct deposit?

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