是我的钱吗 fdic担保?

The Federal Deposit 保险 Corporation (FDIC) is an independent government agency that insures deposits at banks. Like the National 信贷 Union Administration (NCUA), it provides coverage of 最高250美元,每位存款人000美元, per insured financial institution. If you have a bank account with an American bank, your deposits are automatically 由联邦存款保险公司承保.

是 信用合作社 fdic担保?

No, 信用合作社 are not fdic担保, but credit union accounts are protected. 信贷 unions like Patelco are regulated by the National 信贷 Union Administration (NCUA), which is also responsible for insuring deposits and protecting members of 信用合作社.

The NCUA is an independent federal agency that oversees the National 信贷 Union Share 保险 Fund (NCUSIF). 它提供了 最高250美元,000 of federal share insurance to account holders in most 信用合作社, backed by the full faith and credit of the United States.

All 帕特尔科信用合作社 members accounts are insured by NCUA, 最高250美元,每个存款人每个账户000美元.

是什么 联邦存款保险公司保险?

FDIC deposit insurance protects bank customers in the event that a banking institution fails. It’s different than the NCUSIF, which protects credit union members in a similar way.

联邦存款保险公司保险 automatically covers 最高250美元,每位存款人000美元, per insured bank. It’s calculated dollar-for-dollar, principal plus any interest accrued, through the date of the default. 例如, if you have a CD account in your name alone with a principal balance of $150,000元及2元,应计利息700元, $152,700人投保.

什么类型的帐户 由联邦存款保险公司承保?

fdic担保 banks are backed by the full faith and credit of the United States government.

FDIC deposit insurance covers the following types of accounts, 最高250美元,000 per owner per account:

• 支票账户
• 储蓄账户
• Money Market deposit accounts (MMDAs)
• Time deposits such as certificates of deposit (CDs)
• Negotiable Order of Withdrawal (NOW) accounts
• Cashier’s checks, money orders, and other bank-issued items

Certain individual retirement accounts (爱尔兰共和军s); joint accounts; trust accounts; employee benefits accounts; corporation, partnership and unincorporated association accounts; and government accounts are also covered.

联邦存款保险公司不承保:

• 信贷 union accounts (which are covered by NCUA保险)
• 共同基金
• 股票投资
• 债券投资
• 加密的资产
• 人寿保险单
• 年金
• 市政证券
• Safe deposit boxes or their contents
• US Treasury bills, bonds or notes

如何 FDIC保险工作?

You don’t need to apply for 联邦存款保险公司保险; your deposits are automatically insured if they’re held in an fdic担保 bank. (信贷 unions like Patelco are insured by the National 信贷 Union Administration.)

The standard insurance amount is $250,000 per insured bank, for each account. You may qualify for coverage over $250,000 if you distribute your funds across different types of accounts and all FDIC requirements are met — in other words, 如果你持有200美元,000存定期存款，100存定期存款,000 in a money market account at the same fdic担保 bank, 你的300美元,000受到保护.

If you have a joint account — for example, if you’re married and share a savings account — both account owners are 由联邦存款保险公司承保, 最高250美元,每名帐户持有人000元.

如果我 银行破产?

A bank failure happens when a bank is unable to meet its obligations to depositors and a federal or state banking regulatory agency closes the bank. 银行倒闭并不常见, but when an fdic担保 银行破产, the FDIC acts quickly to ensure account owners get access to their insured deposits.

The FDIC will act as the “insurer” of the failed bank’s deposits, paying account owners up to the insurance limit, as well as the “receiver” of the failed bank, meaning they will sell and collect assets and settle its debts, including claims for deposits that are greater than the insured limit.

是我的银行吗 由联邦存款保险公司承保?

You can check your bank’s website or check the FDIC website, which has a searchable database of all fdic担保 banks.

帕特尔科信用合作社 insured by the National 信贷 Union Administration, which offers similar insurance on members’ deposit accounts.