Coverage Provided by Standard FDIC Insurance
Standard FDIC insurance covers interest-bearing deposit accounts up to $250,000. Interest-bearing deposit accounts include checking, NOW, savings and money market deposit accounts, and time deposits such as certificates of deposit (CDs). In addition, retirement deposit accounts, including IRAs and SEPs are separately insured up to $250,000 per owner.
What is Not Insured by the FDIC
The FDIC does not insure money invested in non-deposit investment products, such as stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investments were bought from an insured bank. The FDIC does not insure U.S. Treasury bills, bonds or notes.