FDIC Insurance

Rest easy knowing your money is protected by the FDIC.

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.

  • Understanding Your Coverage

    To determine your insurance coverage, try the easy-to-use online tool called EDIE The Estimator.

    A few minutes with EDIE can give you peace of mind. You’ll know if the money in your RiverBank deposit account is fully protected or if any accounts exceed coverage limits.

    To save time, have a list of your deposit accounts and the amount you have in each. If you have joint accounts or trust accounts that name beneficiaries, have those names, too. To check business accounts, you will need the business name and Employer Identification Number (EIN).

    To ensure privacy, RiverBank does not allow EDIE access to any personal or account information, nor will EDIE store any of the information you provide. And no information is sent over the internet.

If you have further questions about FDIC coverage limits and requirements, please contact one of our deposit experts or call the FDIC toll free at 1.877.ASK.FDIC.