The FDIC’s Depositor Bill of Rights states the following:

You have the right to:

• Automatic deposit insurance coverage when you open a deposit account at an FDIC-insured bank, with no additional action on your part.




• Separate FDIC insurance coverage for deposits held at different FDIC-insured banks.




• Confirm that a bank is insured by using the FDIC’s Bank Find service or by calling the FDIC toll-free at 1-877-275-3342.




• FDIC insurance coverage of at least $250,000 for your deposits at an FDIC-insured bank.*




• Deposit insurance coverage of more than $250,000 at a single bank when deposits are held in different “ownership categories,” such as a single, joint and trust accounts.*




• Confirm that your deposits are within the insurance limits by using EDIE the Estimator or by calling 1-877-ASK-FDIC.




• Be informed when a financial product offered by your bank is not covered by FDIC insurance.




• Prompt access to your insured deposits in the event your bank fails.




• Receive distributions from the receivership if you are an uninsured depositor, as the sale of assets permits.




• Sleep well, knowing that since the creation of the FDIC 75 years ago, no depositor has ever lost one penny of insured deposits.

* The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.