Skip to main content
    CALCULATORiQ™

    FDIC Coverage Calculator

    Editorial Context
    The Reordering

    The First Bank Failure of 2026: What the Collapse of Metropolitan Capital Bank Signals About Financial Stability, Contagion Risk, and Preparedness

    A rigorous examination of the first bank failure of 2026, FDIC resolution mechanics, consumer protection frameworks, and what institutions should monitor for early warning signals.

    Read Full AnalysisAlso on LUMINAIRE.NEWS

    Understand Your Deposit Protection

    The FDIC insures deposits up to $250,000 per depositor, per insured bank, per ownership category. This calculator helps you understand how much of your deposits are protected and identify potential uninsured exposure across your banking relationships.

    Your Deposit Accounts

    Account 1

    Understanding FDIC Coverage

    How Coverage Works

    FDIC insurance covers deposits at member banks up to $250,000 per depositor, per bank, per ownership category. This means you can have more than $250,000 insured at a single bank by using different ownership categories.

    Coverage Limits by Category

    • • Single: $250,000 per depositor
    • • Joint: $250,000 per co-owner
    • • Trust: $250,000 per beneficiary (up to 5)
    • • IRA: $250,000 per owner
    • • Business: $250,000 per entity

    Disclaimer: This calculator provides educational estimates. For official coverage determination, use the FDIC's Electronic Deposit Insurance Estimator (EDIE) or consult with your bank. Complex trust arrangements may have different coverage rules.

    Related Tools

    Banking Preparedness Planner

    Assess your overall banking relationship structure and preparedness.

    Bank Stress Indicator Explorer

    Learn about the metrics regulators use to monitor bank health.