---
title: FDIC Insurance Quick Reference Guide
description: FDIC Insurance and Calculator
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# FDIC Insurance Quick Reference Guide

[![Refined Editorial Team](https://www.refinedpayments.com/hubfs/Refined%20Brand%20Assets/Icon_GreenOnTransparent.png)](https://www.refinedpayments.com/blog/author/refined-editorial-team)

 Written by [Refined Editorial Team](https://www.refinedpayments.com/blog/author/refined-editorial-team)

 March 21, 2023

These accounts are coveredby FDIC insurance:

- Checking accounts
- Savings accounts (including high-yield savings accounts)
- Money market deposit accounts (MMDAs)
- Time deposits such as certificates of deposit (CDs)

These accounts are ineligible for FDIC coverage:

- U.S. Treasury bills, bonds or notes (These investments are backed by the full faith and credit of the U.S. government)
- Stock investments
- Bond investments
- Mutual funds
- Crypto assets
- Life insurance policies
- Annuities
- Municipal securities
- Safe deposit boxes or their contents

The standard coverage limit is $250,000 per account owner.  That means you could technically qualify for more than $250,000 in coverage if you hold accounts in more than one ownership category, either as an individual or with a joint account holder.  For example, a married couple with a joint checking account can receive insurance for up to $500,000 for the same shared account ($250,000 per co-owner).  If each person opens their own individual checking account separately, those accounts would also have their own $250,000 coverage on top of the joint checking’s $500,000 coverage.  The coverage could extend even further if a business account is held.  Under FDIC rules, all deposits owned by a corporation, partnership, or unincorporated entity (including a for-profit or a not-for-profit organization) at the same bank are added together and insured up to $250,000, separately from the personal accounts of the owners or members.

For more detailed information use the [FDIC calculator](https://edie.fdic.gov/calculator.html?) to determine your exact FDIC Insurance coverage.

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