The FDIC provides separate coverage for deposits held in different account ownership categories. You may qualify for coverage over $250,000 if you have funds held in different ownership categories and meet all FDIC requirements.

Individuals, businesses and entities interested in additional insurance for deposits over $250,000 can enroll in our CDARS or ICS programs. Please contact your Global Transaction Services sales consultant, branch officer, or call 888.761.3967 for more information.

FDIC Deposit Insurance Coverage Limits by Account Ownership Category

  • Single Accounts (Owned by One Person)

    $250,000 per owner
  • Joint Accounts (Owned by Two or More Persons)

    $250,000 per owner
  • Certain Retirement Accounts (Includes IRAs)

    $250,000 per owner
  • Revocable Trust Accounts

    $250,000 per owner per unique beneficiary
  • Corporation, Partnership and Unincorporated Association Accounts

    $250,000 per corporation, partnership, or unincorporated association
  • Irrevocable Trust Accounts

    $250,000 for the noncontingent interest of each unique beneficiary
  • Employee Benefit Plan Accounts

    $250,000 for the noncontingent interest of each plan participant
  • Government Accounts

    $250,000 per official custodian (more coverage available subject to specific conditions)