{"id":129706,"date":"2023-11-02T03:44:33","date_gmt":"2023-11-02T03:44:33","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/"},"modified":"2023-11-02T03:44:33","modified_gmt":"2023-11-02T03:44:33","slug":"what-are-commercial-banks-insured-by","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/","title":{"rendered":"What are commercial banks insured by?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#What_are_commercial_banks_insured_by\" title=\"What are commercial banks insured by?\">What are commercial banks insured by?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#What_is_the_FDIC\" title=\"What is the FDIC?\">What is the FDIC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#How_does_FDIC_insurance_work\" title=\"How does FDIC insurance work?\">How does FDIC insurance work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#Are_all_commercial_banks_insured_by_the_FDIC\" title=\"Are all commercial banks insured by the FDIC?\">Are all commercial banks insured by the FDIC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#Is_FDIC_insurance_automatic\" title=\"Is FDIC insurance automatic?\">Is FDIC insurance automatic?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#What_types_of_accounts_are_covered_by_FDIC_insurance\" title=\"What types of accounts are covered by FDIC insurance?\">What types of accounts are covered by FDIC insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#What_is_the_purpose_of_FDIC_insurance\" title=\"What is the purpose of FDIC insurance?\">What is the purpose of FDIC insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#What_happens_if_a_depositor_has_more_than_250000_in_one_bank\" title=\"What happens if a depositor has more than $250,000 in one bank?\">What happens if a depositor has more than $250,000 in one bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#Are_credit_unions_insured_by_the_FDIC\" title=\"Are credit unions insured by the FDIC?\">Are credit unions insured by the FDIC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#What_is_the_difference_between_FDIC_and_NCUA_insurance\" title=\"What is the difference between FDIC and NCUA insurance?\">What is the difference between FDIC and NCUA insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#Can_depositors_lose_money_with_FDIC_insurance\" title=\"Can depositors lose money with FDIC insurance?\">Can depositors lose money with FDIC insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#What_happens_to_uninsured_deposits_in_a_bank_failure\" title=\"What happens to uninsured deposits in a bank failure?\">What happens to uninsured deposits in a bank failure?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_commercial_banks_insured_by\"><\/span>What are commercial banks insured by?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Commercial banks in the United States are insured by the Federal Deposit Insurance Corporation (FDIC). This federal agency insures deposits at member banks up to $250,000 per depositor, per insured bank, for each account ownership category.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_FDIC\"><\/span>What is the FDIC?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The FDIC stands for the Federal Deposit Insurance Corporation. It is an independent agency of the United States government that protects depositors against the loss of their insured deposits if an FDIC-insured bank fails.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_FDIC_insurance_work\"><\/span>How does FDIC insurance work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a bank fails, the FDIC will step in to cover the insured deposits of individual depositors up to the insurance limit of $250,000 per depositor, per insured bank. This coverage includes principal and interest, as well as any accrued interest.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_all_commercial_banks_insured_by_the_FDIC\"><\/span>Are all commercial banks insured by the FDIC?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, not all commercial banks are insured by the FDIC. To be insured by the FDIC, a bank must be a member of the FDIC and display the official FDIC logo at their branches and on their website.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_FDIC_insurance_automatic\"><\/span>Is FDIC insurance automatic?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, FDIC insurance is automatic for depositors at FDIC member banks. Deposits are insured up to the limit without any action required on the part of the depositor.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_types_of_accounts_are_covered_by_FDIC_insurance\"><\/span>What types of accounts are covered by FDIC insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>FDIC insurance covers all types of deposits at FDIC-insured banks, including checking accounts, savings accounts, money market deposit accounts, and certificates of deposit (CDs).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_purpose_of_FDIC_insurance\"><\/span>What is the purpose of FDIC insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The purpose of FDIC insurance is to provide depositors with confidence and peace of mind by guaranteeing the safety of their deposits in the event of a bank failure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_a_depositor_has_more_than_250000_in_one_bank\"><\/span>What happens if a depositor has more than $250,000 in one bank?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a depositor has more than $250,000 in one bank, only the first $250,000 is insured. Depositors can increase their coverage by spreading their deposits across multiple FDIC-insured banks or by opening different types of accounts at the same bank.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_credit_unions_insured_by_the_FDIC\"><\/span>Are credit unions insured by the FDIC?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, credit unions are not insured by the FDIC. Instead, credit unions are insured by the National Credit Union Administration (NCUA), which provides similar insurance coverage to FDIC insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_FDIC_and_NCUA_insurance\"><\/span>What is the difference between FDIC and NCUA insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While both FDIC and NCUA insurance protect depositors against the loss of their insured deposits if a bank or credit union fails, FDIC insurance covers banks and NCUA insurance covers credit unions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_depositors_lose_money_with_FDIC_insurance\"><\/span>Can depositors lose money with FDIC insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, depositors will not lose money on their insured deposits if their bank fails and they have deposits within the insurance limits. The FDIC will ensure that depositors receive their insured funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_to_uninsured_deposits_in_a_bank_failure\"><\/span>What happens to uninsured deposits in a bank failure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a bank fails and a depositor has funds in excess of the insurance limits, the depositor may not recover the full amount of their uninsured deposits. The FDIC will distribute any remaining assets to depositors on a pro-rata basis.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are commercial banks insured by? Commercial banks in the United States are insured by the Federal Deposit Insurance Corporation (FDIC). This federal agency insures deposits at member banks up to $250,000 per depositor, per insured bank, for each account ownership category. What is the FDIC? The FDIC stands for the Federal Deposit Insurance Corporation. &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What are commercial banks insured by?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-are-commercial-banks-insured-by\/#more-129706\">Read more<span class=\"screen-reader-text\">What are commercial banks insured by?<\/span><\/a><\/p>\n","protected":false},"author":25,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-129706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are commercial banks insured by?<\/title>\n<meta name=\"description\" content=\"What are commercial banks insured by? 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