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AhaBulb: Stuff Everyone Should Know · ahabulb.com/fdic-250k

How much money does FDIC insurance cover at one bank?

$250,000 per depositor, per bank, per ownership category.

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  1. $250,000 per depositor, per bank, per category ✔
  2. $250,000 total in your whole life
  3. Every dollar, no limit

Why: FDIC insures deposits up to at least $250,000 per depositor, per insured bank, per ownership category. You do not buy this coverage. It is automatic.

Huh, didn't know that: Checking, savings, and CDs can be covered. Stocks and mutual funds are not.

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References

Answer: $250,000 per depositor, per bank, per category. FDIC insures deposits up to at least $250,000 per depositor, per insured bank, per ownership category. You do not buy this coverage. It is automatic.

  1. Consumer Financial Protection Bureau: FDIC Insurance www.consumerfinance.gov/archive/newsroom/cfpb-takes-action-to-protect-depositors-from-false-claims-about-fdic-insurance
    up to $250,000 per depositor, per FDIC-insured bank, for each account ownership category.
    Checked 2026-10-09.

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