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FDIC Insurance Coverage Basics

FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking account, negotiable order of withdrawal (NOW) account, savings account, money market deposit account (MMDA) or time deposit such as a certificate of deposit (CD).

The standard insurance amount is $250,000 per depositor, per insured bank, for each ownership category. This includes principal and accrued interest and applies to all depositors of an insured bank. Deposits in one insured bank are insured separately from deposits in another insured bank.

Deposits maintained in different categories of legal ownership at the same bank can be separately insured. Therefore, it is possible to have deposits of more than $250,000 at one insured bank and still be fully insured. For more information on deposit insurance coverage, see the FDIC’s brochure “Your Insured Deposits” which can be accessed at

Calculate Your FDIC Insurance Coverage

To help you determine your insurance coverage, you can use an easy-to-use online FDIC tool called EDIE The Estimator, which RiverBank is making available to you on our website.

EDIE the Estimator lets you know in a printable report whether your deposits at RiverBank are fully protected or if any accounts exceed coverage limits.

Click here to use EDIE the Estimator.

If you have questions about FDIC coverage limits and requirements, please contact one of our deposit experts at 1-509-744-6900 or visit or call the FDIC toll free at 1-877-ASK-FDIC.
202 E Spokane Falls Blvd. Spokane, WA 99202