ALL DEPOSITS - fdic 2025

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The document is a Purchase and Assumption Agreement between the Federal Deposit Insurance Corporation (FDIC) as Receiver of BankUnited, FSB, and BankUnited, a new federal savings association. Dated May 21, 2009, it outlines the terms under which BankUnited will purchase certain assets and assume specific liabilities of the failed BankUnited, FSB. The agreement includes provisions for the assumption of deposit liabilities, purchase of assets, indemnification clauses, loss-sharing arrangements for loans, and responsibilities regarding depositors and records. It also details conditions for asset purchases, liability assumptions, and procedures for handling unclaimed deposits. The agreement aims to facilitate the transition of banking operations while ensuring compliance with applicable laws.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Does the FDIC insure $250000 in multiple accounts?

The FDIC adds together the balances in all Single Accounts owned by the same person at the same bank and insures the total up to $250,000.

What are three things not insured by FDIC?

The FDIC does not insure: Stock Investments. Bond Investments. Mutual Funds. Crypto Assets. Life Insurance Policies. Annuities. Municipal Securities. Safe Deposit Boxes or their contents.

What accounts does the FDIC not cover?

The FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investments are purchased at an insured bank.

Does FDIC cover all deposits?

Q: Is every financial product at a bank covered by the FDIC? A: No. FDIC deposit insurance only covers certain deposit products, such as checking and savings accounts, money market deposit accounts (MMDAs), and certificates of deposit (CDs).

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