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Additional Details
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countrykicks2007 | Is $100,000 dollars the amount of money a person can have in each bank account or all together? |
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moonman
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Each deposit account. So if you have one account at WAMU and another at Chase you will have 200,000 insured. However, you can have any amount in a single account. You can have 1,000,000 if you want in one, but it will only be insured for 100,000 if the bank fails. |
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melissaw77
 |
Per account for insurance through the FDIC
I worked at a bank for 7 years. |
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Kathryn
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It's the FDIC insured amount you can have in any single bank. This amount can be increased however. You can have $100,000 in an account in your name, another $100,000 in a joint account with someone, and another $100,000 in an IRA (the retirement account amount is often higher than $100,000), and it would all be insured. |
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booshua
 |
That's all the FDIC will insure.
You can have more, but if something happens, you're only getting $100,000 back. |
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Joe
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It is $100,000 per bank for a single person. You can get around it by putting money in more than one bank. If you have joint accounts with multiple people at one bank it gets complicated. A married couple could potentially be covered by $600,000 at one bank. See the link. |
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Katie D
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I work at a bank, the FDIC will insure your money to $100,00.00 how ever you can have numerous accounts in one bank and still be covered. Example;
Your acct Joe Blow 100,000.00
Acct 2 Joe Blow and Jane Blow 100,000.00
Acct 3 Joe Blow POD (Paid on Death) to Jane Blow 100,000.00
Acct 4 Joe Blow POD under your kids names
so on and so forth...
It is the same on CD's aswell |
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The Professor
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I believe you are referring to what amount is insured by FDIC insurance for bank deposits.
The totals are usually $100,000 per depositor (i.e. - the total of all your accounts at that bank). Totals are sometimes higher (up to $250,000) for some retirement accounts.
Call your bank to make sure. |
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Judy1
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If you are asking about the amount that's FDIC insured, it's all together in all accounts for the same person in the same bank. |
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stevemorris1
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You can always have more, but if a bank fails, the FDIC only guarantees 100,000 of your funds in that bank. |
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voluntarheel
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It's $100k PER BANK, not account, to be FDIC insured. Pretty scary, huh? Just spread it out some - most folks - even really, really rich usually don't have hundreds of thousands sitting around in bank accounts anyway - they would put it in a better investment. |
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Jared
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Per bank, to be protected by the federal government
They are going to increase the limit to 200k soon though, from what i hear. |
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