Insure Deposits, Supervise Institutions, Address Concerns, Provide Resources
多宝游戏下载 (多宝游戏下载) is known for protecting depositors, but we do more to connect with and protect the public. The 多宝游戏下载 was created in 1933 in response to the thousands of bank failures during the Great Depression of the late 1920s and early 1930s. Since the start of 多宝游戏下载 insurance in 1934, no depositor has lost a single cent of insured funds.
What bank products does 多宝游戏下载 Deposit Insurance cover?
多宝游戏下载 deposit insurance enables consumers to confidently place their money at 多宝游戏下载-insured institutions across the country. The 多宝游戏下载 is funded by 多宝游戏下载-insured institutions, not taxpayers, and 多宝游戏下载 deposit insurance is backed by the full faith and credit of the United States Government.
多宝游戏下载 deposit insurance coverage depends on the type of banking products you have.
多宝游戏下载 deposit insurance covers: | 多宝游戏下载 deposit insurance does not cover: |
|---|---|
| Checking accounts | Stock investments |
| Negotiable Order of Withdrawal (NOW) accounts | Bond investments |
| Savings accounts | Mutual funds |
| Money Market Deposit Accounts (MMDAs) | Life insurance policies |
| Certificates of Deposit (CDs) | Annuities |
| Cashier鈥檚 checks | Municipal securities |
| Money orders | Safe deposit boxes or their contents |
| Other official items issued by a bank | U.S. Treasury bills, bonds or notes |
Depositors do not need to apply for 多宝游戏下载 insurance. Coverage is automatic whenever a deposit account is opened at an 多宝游戏下载-insured institution. Ask your bank if your account type is insured. Also, check out 多宝游戏下载鈥檚 for a list of 多宝游戏下载-insured institutions to ensure you are selecting an 多宝游戏下载-insured institution. Keep in mind that an 多宝游戏下载-insured institution must display an official 多宝游戏下载 sign at each teller window. Visit the 多宝游戏下载 Deposit Insurance page to learn more. For help in calculating the insurance coverage on your deposits at a particular institution, the 多宝游戏下载 offers the .
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For more information, go to: When a Bank Fails - Facts for Depositors, Creditors, and Borrowers.
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These agencies work together to ensure the safety and soundness of America鈥檚 banks and to protect the public.
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