FDIC Insurance

Get to know your coverage and ways to ramp it up

You can never be too protected, and FDIC insurance is your safety net in the unlikely event of bank failure. Today’s standard limit on FDIC insurance coverage is set at $250,000 per depositor, per insured bank, for each account ownership category.x By opening different accounts using varying ownership categories, you can easily expand your coverage.

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Expand Scenario

The following is a hypothetical example of how a married couple was able to secure FDIC insurance on $1.5 million in deposits at EverBank.

expanded scenario for FDIC
This calculation assumes that all of the above accounts are on deposit at EverBank, and that the account owners do not have accounts other than those listed above at this bank.


For FDIC insurance coverage into the millions

Every situation is different, and when you need expanded FDIC insurance coverage, we’re pleased to offer a solution as an Intrafi Network member. That solution is the CDARS CD accountx which has the potential to provide you access to FDIC insurance coverage on up to $50 million in deposits.x Through the IntraFi Network, the funds you submit for placement in an IntraFi CD with us are divided into amounts under the standard FDIC insurance maximum of $250K and placed into CDs at other banks in the network.x The results for you include broader financial security and the added convenience of working with just one bank.

Safeguarding your money today and tomorrow

From the basics to estimating your coverage, learn more about FDIC insurance coverage and the safeguards that are in place to protect your money.


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