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Since 1933, no depositor has ever lost a penny of FDIC-insured funds.


Here are some highlights from the FDIC regarding bank operations/deposit insurance.


If my bank has temporarily reduced branch access or is not open, is my money still insured?
In difficult circumstances, some banks may need to temporarily limit operations to protect the
health of their employees and customers. This may include closing a lobby, converting to drive-thru
only services, or encouraging customers to use ATMs or digital channels to access their

Regardless of the bank’s operating conditions, your money is insured by the FDIC. Deposits with
an FDIC-insured bank or savings institution will continue to be protected up to at least $250,000.
Please see additional information regarding deposit insurance.
Will there be enough cash during a pandemic or other national disaster?
The Federal Reserve System has and will continue to meet the currency needs of banking
customers. Be assured that sufficient resources are available to handle customer needs.

Keep in mind, the safest place for your money is inside a bank. Banks will continue to ensure
that their customers have access to funds either directly or electronically, and inside an FDIC insured
bank, your funds are protected by the FDIC.
Is there anyone I can speak with if I have detailed questions about my FDIC deposit insurance coverage?

Yes. The FDIC has a team of subject matter experts available to answer your questions. Please
call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter
Expert between 8:30AM- 5:00PM Monday-Friday.

If you prefer, you can also contact the FDIC in writing through our FDIC Deposit Insurance Form
via the FDIC Information and Support Center at:


For additional FAQs from the FDIC, please click here.


For the FDIC website, please click here.

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