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The FDIC insures deposits ing to the ownership category in which the funds are insured and how the accounts are titled. The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category.

By law, up to $250,000 is insured for each depositor's account in each bank. Congress raised the limit from $100,000 to $250,000 temporarily in 2008 and made the increase permanent in 2010. For most Americans, deposit insurance is more than enough to insure all money in their checking and savings accounts.

If your deposits exceed the $250,000 FDIC insurance limit, talk to your bank about the insurance status of your deposits and your options for insuring all of your savings in-house.

The Federal Deposit Insurance Corporation (FDIC) guarantees bank deposits up to $250,000. Congress set that cap. Waiving it for a given institution requires the support of the treasury secretary (in consultation with the president) plus two-thirds of the boards of both the FDIC and the Federal Reserve.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

The FDIC insures your bank account to protect your money in the unlikely event of a bank failure. Bank accounts are insured by the Federal Deposit Insurance Corporation (FDIC), which is part of the federal government. The insurance covers accounts containing $250,000 or less under the same owner or owners.

If a couple has a joint money market deposit account, a joint savings account, and a joint CD at the same insured bank, each co-owner's shares of the three accounts are added together and insured up to $250,000 per owner, providing up to $500,000 in coverage for the couple's joint accounts.

The FDIC insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection; makes large and complex financial institutions resolvable; and manages receiverships.