How much of your cash is FDIC-insured?
FDIC insurance is $250,000 per owner, per bank, for each ownership category. Large balances are often more covered than people fear, or less than they assume. Enter what you hold at one bank.
| Category | Balance | Covered up to | Uninsured |
|---|
Ways to close the gap
Rules from the FDIC's own summary, including the trust rule in effect since April 1, 2024. Assumes joint accounts are owned equally and every beneficiary is distinct. Money market funds and Treasuries aren't bank deposits and aren't FDIC-insured; they carry other protections. For complex trusts, the FDIC's Electronic Deposit Insurance Estimator gives a definitive answer.
How we check every number
A rate goes on this site only if we can point to where it came from. If we can't, the row stays hidden.
Official data first
Treasury yields come straight from the U.S. Treasury's daily yield curve, pulled automatically every weekday evening. A rate that jumps more than a full point overnight is held back until it's confirmed.
The broker's own page
Sweep rates are read from each broker's published rate sheet or disclosure. News articles and forums tell us something changed; they are never the source of the number.
No paid placement
No broker or bank on this page pays us today. If one ever does, it will say so next to the row, and the order won't change.