SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/teen-fdic-not-covered

Which of these is NOT covered by FDIC deposit insurance?

Crypto assets are not FDIC insured.

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  1. Crypto assets ✔
  2. A savings account
  3. A certificate of deposit

Why: FDIC insurance covers deposits such as checking, savings, money market accounts and CDs. It does not cover stocks, bonds, mutual funds or crypto assets.

Huh, didn't know that: The FDIC also says insurance does not cover non-deposit investment products offered by FDIC-insured banks.

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Why won't the IRS embrace bitcoin? They don't trust anything they can't freeze.
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References

Answer: Crypto assets. FDIC insurance covers deposits such as checking, savings, money market accounts and CDs. It does not cover stocks, bonds, mutual funds or crypto assets.

  1. FDIC: Understanding Deposit Insurance www.fdic.gov/resources/deposit-insurance/understanding-deposit-insurance
    it does not cover non-deposit investment products, even those offered by FDIC-insured banks
    Checked 2026-10-10.

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