FAQs: Financial resources and tools

Learn how to protect your personal information, manage personal finances, and more.

I want to boost by financial know-how. Where do I start?
Knowledge is power, especially when it comes to your financial health. The following online resources can help grow your knowledge – and your confidence:

• Protecting Your Bank Accounts and Money (FDIC)
• Identity Theft and Fraud (FDIC)
• Consumer Financial Privacy (FDIC)
• Tips for Protecting Your Checking Account (Federal Reserve)
• Frauds and Scams (Federal Reserve)

Managing Personal Finances

• mymoney.gov (Financial Literacy and Education Commission)
• Protecting Yourself from Overdraft and Bounced-Check Fees (U.S. Treasury)
• Choosing a Credit Counselor (Federal Trade Commission)

FDIC Insurance Calculator

The standard deposit insurance amount is $250,000 per depositor, per FDIC-insured bank, per ownership category. For a basic category-by-category overview of FDIC deposit insurance coverage, you can use the Account Categories Tool.

The "Your Insured Deposits" brochure also includes more comprehensive information and examples of deposit insurance coverage for various ownership categories. You can also access the FDIC's Electronic Deposit Insurance Estimator (EDIE) to get details about your specific situation.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs").　It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, savings accounts, and certificates of deposit.

More Consumer Resources

• FDIC Consumer News
• Correcting Bank Account Errors (FDIC)
• Electronic Banking (Federal Reserve)
• Electronic Check Conversion (U.S. Treasury)
• Consumer Credit Reporting (Federal Trade Commission