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.
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.