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FDIC Seminar on Deposit Insurance Coverage For Bankers - fdic

FDIC Seminar on Deposit Insurance Coverage For Bankers - fdic 2025

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The document provides an overview of the FDIC seminar on deposit insurance coverage for bankers, detailing recent rule changes, general principles of coverage, ownership categories, and specific requirements for different types of accounts. It highlights the standard maximum deposit insurance amount (SMDIA) of $250,000, explains how coverage is calculated based on account ownership and type, and outlines resources available for further information.

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What are the FDIC rules for deposit insurance?

The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. Deposits held in different ownership categories are separately insured, up to at least $250,000, even if held at the same bank.

What New Deal insured bank deposits?

June 16, 1933 President Franklin Roosevelt signs the Banking Act of 1933 into law creating the Federal Deposit Insurance Corporation (FDIC).

What are the new deposit insurance rules?

April 1, 2024 Each owners trust deposits will be insured up to $250,000 multiplied by the number of trust beneficiaries up to a maximum of $1,250,000 per bank.

Is $500,000 in a joint account FDIC-insured?

If a couple has a joint money market deposit account, a joint savings account, and a joint CD at the same insured bank, each co-owners shares of the three accounts are added together and insured up to $250,000 per owner, providing up to $500,000 in coverage for the couples joint accounts.

How do I insure $2 million in the bank?

Open an account at a different bank. Add a joint owner. Get an account thats in a different ownership category. Join a credit union. Use IntraFi Network Deposits. Open a cash management account. Put your money in a MaxSafe account. Opt for an account with both FDIC and DIF insurance.

What are the new rules for FDIC insurance?

Depositors can name as many beneficiaries as they wish, however the coverage limit will not exceed $1,250,000 as of April 1, 2024. This coverage change applies to both existing and new trust accounts, for all deposit products, including CDs regardless of purchase or maturity date.

FDIC Seminar on Deposit Insurance Coverage For Bankers - fdic 2025

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