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the shocking truth about the FDIC and your bank deposits Im Bob Stokes with le olive international millions of US bank depositors feel safe in the knowledge that the Federal Deposit Insurance Corporation will protect their accounts even if their bank goes under yes its true that the FDIC says it will do so as their website states the standard insurance amount is $250,000 per depositor per insured bank for each account ownership category but the question is does the FDIC have the wherewithal to fulfill its promise in the event of a major financial crisis the answer is an emphatic no not even close heres what the Elliot wave theorist said in August 2008 near the middle of the 2007-2009 financial crisis the FDIC is not funded well enough to bail out even a handful of the biggest banks in America it has enough money to pay depositors of about three big banks after that its broke no doubt most bank depositors would be shocked to learn this but think about it no single entity could possi