FDIC limits are now officially increased to $250,000. It is important to find out what is and what is not protected by FDIC insurance. See below to find out which of your accounts are covered.
FDIC website information:
- Checking Accounts including money market deposit accounts
- Saving Accounts including passbook accounts
- Certificates of Deposit
- Retirement Accounts consisting of cash on deposit at a bank or thrift
- FDIC approves temporary unlimited Deposit Insurance Coverage of non-interest bearing transaction accounts.
Not FDIC Insured
- Investments in mutual funds, (stock, bond or money market mutual funds), whether purchased from a bank, brokerage or dealer
- Annuities (available a some banks; often purchased from an insurance company)
- Stocks, Bonds, Treasury Securities or other investment products, whether purchased through a bank or a broker/dealer
- Safe Deposit Boxes
Learn more about why certain accounts and investments are or are not covered by FDIC insurance.
For more information about deposit insurance write to:
Division of Supervision & Consumer Protection
Attn: Deposit User Outreach
550 17th Street NW
Washington, D.C. 20429-9990
1-800-925-4618 (Hearing Impaired)
FDIC Regional Office for New Mexico:
FDIC, Deposit Insurance
Westwood Executive Center, Suite 1900
Dallas, TX 75201
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