FDIC insurance is generally $250,000 per depositor, per insured bank, per ownership category. $150,000 in checking and $150,000 in a CD titled only in one person's name at the same bank are $300,000 in one single-account category: $250,000 insured and $50,000 uninsured.
fdic insurance limits: the measured relationship
FDIC insurance protects qualifying deposits at an insured bank after balances are combined within the same ownership category. FDIC coverage is an ownership analysis, not a return comparison. CD and checking are added together within one category.
| Single savings | $150,000 |
|---|---|
| Single CD | $150,000 |
| Combined total | $300,000 |
| Standard insured | $250,000 |
| Uninsured example | $50,000 |
fdic insurance limits: a worked dollar case
A depositor holds $150,000 in single-owner savings and $150,000 in a single-owner CD at Bank A. FDIC combines $300,000 and insures $250,000. At separately chartered Bank B, a $150,000 single account is separately within the standard limit. Branches of the same bank do not create new limits.
fdic insurance limits: calculation method
For each bank, identify legal bank, owners, beneficiaries where relevant, and ownership category; add deposits in the same category. CDs and checking are products, not separate categories.
fdicinsurancelim related calculations: CD balance projection; savings balance calculation; cash reserve target.
Audit the How FDIC insurance limits work across banks and ownership categories scenario
fdicinsurancelim timing check. Record Single savings as $150,000. fdicinsurancelim timing review changes Single CD to $150,000 and keeps the unit beside the figure. A fdicinsurancelim timing comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim cash-flow check. Record Single CD as $150,000. fdicinsurancelim cash-flow review changes Combined total to $300,000 and keeps the unit beside the figure. A fdicinsurancelim cash-flow comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim rate check. Record Combined total as $300,000. fdicinsurancelim rate review changes Standard insured to $250,000 and keeps the unit beside the figure. A fdicinsurancelim rate comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim balance check. Record Standard insured as $250,000. fdicinsurancelim balance review changes Uninsured example to $50,000 and keeps the unit beside the figure. A fdicinsurancelim balance comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim disclosure check. Record Uninsured example as $50,000. fdicinsurancelim disclosure review changes Single savings to $150,000 and keeps the unit beside the figure. A fdicinsurancelim disclosure comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim schedule check. Record Single savings as $150,000. fdicinsurancelim schedule review changes Single CD to $150,000 and keeps the unit beside the figure. A fdicinsurancelim schedule comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim threshold check. Record Single CD as $150,000. fdicinsurancelim threshold review changes Combined total to $300,000 and keeps the unit beside the figure. A fdicinsurancelim threshold comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim payment check. Record Combined total as $300,000. fdicinsurancelim payment review changes Standard insured to $250,000 and keeps the unit beside the figure. A fdicinsurancelim payment comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim property check. Record Standard insured as $250,000. fdicinsurancelim property review changes Uninsured example to $50,000 and keeps the unit beside the figure. A fdicinsurancelim property comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim income check. Record Uninsured example as $50,000. fdicinsurancelim income review changes Single savings to $150,000 and keeps the unit beside the figure. A fdicinsurancelim income comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim insurance check. Record Single savings as $150,000. fdicinsurancelim insurance review changes Single CD to $150,000 and keeps the unit beside the figure. A fdicinsurancelim insurance comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
fdicinsurancelim term check. Record Single CD as $150,000. fdicinsurancelim term review changes Combined total to $300,000 and keeps the unit beside the figure. A fdicinsurancelim term comparison recalculates the stated relationship from those two dated inputs, instead of reusing a rounded intermediate amount.
Keep a decision record
fdicinsurancelim timing record. The fdicinsurancelim worksheet pairs Combined total ($300,000) with Standard insured ($250,000). A fdicinsurancelim timing decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim timing source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim cash-flow record. The fdicinsurancelim worksheet pairs Standard insured ($250,000) with Uninsured example ($50,000). A fdicinsurancelim cash-flow decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim cash-flow source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim rate record. The fdicinsurancelim worksheet pairs Uninsured example ($50,000) with Single savings ($150,000). A fdicinsurancelim rate decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim rate source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim balance record. The fdicinsurancelim worksheet pairs Single savings ($150,000) with Single CD ($150,000). A fdicinsurancelim balance decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim balance source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim disclosure record. The fdicinsurancelim worksheet pairs Single CD ($150,000) with Combined total ($300,000). A fdicinsurancelim disclosure decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim disclosure source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim schedule record. The fdicinsurancelim worksheet pairs Combined total ($300,000) with Standard insured ($250,000). A fdicinsurancelim schedule decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim schedule source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim threshold record. The fdicinsurancelim worksheet pairs Standard insured ($250,000) with Uninsured example ($50,000). A fdicinsurancelim threshold decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim threshold source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim payment record. The fdicinsurancelim worksheet pairs Uninsured example ($50,000) with Single savings ($150,000). A fdicinsurancelim payment decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim payment source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim property record. The fdicinsurancelim worksheet pairs Single savings ($150,000) with Single CD ($150,000). A fdicinsurancelim property decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim property source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim income record. The fdicinsurancelim worksheet pairs Single CD ($150,000) with Combined total ($300,000). A fdicinsurancelim income decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim income source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim insurance record. The fdicinsurancelim worksheet pairs Combined total ($300,000) with Standard insured ($250,000). A fdicinsurancelim insurance decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim insurance source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
fdicinsurancelim term record. The fdicinsurancelim worksheet pairs Standard insured ($250,000) with Uninsured example ($50,000). A fdicinsurancelim term decision tests the effect of that pair before adding another assumption. Keep the fdicinsurancelim term source document with the result, because a revised statement, disclosure, assessment, or account term changes the input rather than the arithmetic.
Common mistakes in How FDIC insurance limits work across banks and ownership categories
Do not treat brokerage cash, credit unions, investments, crypto assets, bonds, or safe-deposit boxes as FDIC bank deposits without checking the arrangement.
Where this calculation stops
Trust, joint, retirement, business, and pass-through accounts have specific requirements. FDIC insurance protects against bank failure, not fraud or market loss; use EDIE for an exact structure.
fdic insurance limits: source check
The FDIC states the standard limit is $250,000 per depositor, per insured bank, per ownership category and says all single accounts at one bank are added together. Read the named source. The fdicinsurancelim record should be reconciled to the disclosure, statement, tax bill, or agreement that governs that exact transaction.
fdic insurance limits: using the output
The fdicinsurancelim output keeps each input's named unit and date adjacent to the result. Update the fdicinsurancelim scenario when its rate, balance, payment, or property value changes.