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Does the Federal Deposit Insurance Corporation's (FDIC) insure national banks and federal savings associations (FSAs)?

Most deposits at national banks and FSAs are insured by the FDIC. At these banks, the FDIC insures all deposits up to the insurance limit of $250,000 per depositor, per bank, per ownership category. This includes money deposited in deposit accounts such as:

The FDIC does not insure the money you invest in other products and services, even if they were purchased from a bank with FDIC insurance. These products include:

  • Stocks
  • Bonds
  • Mutual funds
  • Life insurance policies
  • Annuities
  • Municipal securities

For more information about deposit insurance, see the FDIC's website.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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