你辛苦赚来的银行存款有保险吗? Luckily for the majority of Americans, they are. The Federal Deposit Insurance Corporation (FDIC) is an independent government agency that is in charge of banking and consumer safety. The FDIC insures your bank deposits, up to a limit, in the event of a bank failure. 在这个博客中, we are going to look at what FDIC insurance is, 联邦存款保险公司的保险限额, 以及如何最大化你的报道.
What is FDIC insurance and how does it work?
FDIC insurance safeguards your money at any FDIC-insured bank in case that bank fails. The insurance covers up to $250,000 per depositor, per FDIC-insured bank, per ownership category. 如果你用125美元开了一个储蓄账户,然后你赚了25美元,000 in interest then you would be insured for $150,000. 如果你有超过250美元,000 in deposits across several accounts in a single bank, 那么你只投保250美元,000.
联邦存款保险公司什么时候创立的?
The FDIC was established by the Banking Act of 1933 during the Franklin D. 罗斯福政府. 在联邦存款保险公司创立之前, thousands of banks collapsed and many account holders lost a lot of money. 而另一家银行破产的可能性不大, it could still happen and you will want to know that your money is protected.
联邦存款保险公司的保险范围是什么?
The FDIC insures up to $250,000 per depositor, per institution and per ownership category.
FDIC insurance only covers deposits at certain banks, including:
- 支票账户
- 储蓄账户
- 存单(cd)
- 货币市场存款账户
- 收银员支票
- The FDIC also insures some retirement accounts where plan participants have the right to decide how the money is being invested. 这包括一些个人退休账户和401(k)账户.
FDIC保险不涵盖的内容?
FDIC保险不包括:
- 保险箱的内容
- Investments in stocks, bonds, or mutual funds
- 投资损失
- 人寿保险单
- 年金
- 支付提供商，如Paypal和Venmo
如果这些都适用于你, please talk to your financial advisor to ensure that they are protected.
我需要申请联邦存款保险公司的保险吗?
你不需要申请联邦存款保险公司的保险. When you open an account at a bank, you may notice the account is FDIC insured. As long as you open an account with an FDIC insured bank then you wilL be covered for up to $250,000.
What is 联邦存款保险公司的保险限额 in 2022?
There is a $250,0000 FDIC insurance limit per depositor, per institution and per ownership category. Here are some examples of FDIC insurance coverage. It is important to think about your individual scenario to make sure that you are covered.
1. You’re single, do your banking at two banks, and you have:
- 在1号银行有20万美元的存款.
- 在1号银行有5万美元的支票账户.
- $150,000 in certificates of deposit at Bank 2.
That is a total of $400,000 deposited at two banks. Therefore your money is protected because you have $250,000 at bank 1 and $150,000 at bank 2.
2. You’re single, do your banking in one place, and you have:
- 储蓄账户里有20万美元.
- 12.5万美元的支票存款.
- 10万美元的定期存款.
That is a total of $425,000 deposited in one bank. 联邦存款保险公司的保险最多只能覆盖250美元,000, 因此你会损失175美元,如果银行出了什么事. 如果这是你现在的情况, then we recommend that you put at least $175,000 with another bank so that you’re money is protected.
3. You’re married, you both do your banking at the same place and together you have:
- $500,000 in a joint savings account shared with your spouse.
- $250,000 in a certificate of deposit in just your name.
That’s a total of $750,000 deposited at one bank. 所有这些钱都是受保护的. You are both protected for $250,000 each for the joint account. 250美元的,000 in the certificate of deposit is also covered because it’s in just your name which is a different ownership category.
我怎样才能最大限度地获得联邦存款保险公司的保险?
如果你有超过250美元,000, the most simple option is to have the money in multiple bank accounts at multiple banks.
You can also technically qualify for more than $250,000 in coverage if you have accounts in more than one ownership category. 例如, a joint account is insured for up to $500,000 ($250,000 per co-owner). Then if each of those co-owners opens an individual checking account separately, those accounts woud also have their own $250,在500美元的基础上再加1000美元,000年报道.
Another option is to set up a revocable trust. You can then name one or more beneficiary to increase your coverage. Each beneficiary then receives $250,000 of coverage. 例如, a revocable trust account with one owner and three unique beneficiaries can be insured up to $750,000. This is a slightly complicated process so it’s important to talk to your financial advisor to make sure that it has been set up correctly.
Make sure your money is protected with FDIC insurance
Over the past 80 years, the FDIC have protected people’s money and provided financial peace of mind. FDIC insurance is essentially a free way to protect your money. Check your bank account/s to make sure that you are protected and aren’t exceeding the limits for FDIC insurance.
