Welcome to the FDIC’s Electronic Deposit Insurance Estimator (EDIE)

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  • As of April 1, 2024, the maximum insurance coverage for a trust owner with five or more beneficiaries is $1,250,000 per owner for all trust accounts (including payable on death (POD)/in trust for (ITF) accounts, formal revocable trusts, and irrevocable trusts) held at the same bank.
  • Depositors can name as many beneficiaries as they wish, however the coverage limit will not exceed $1,250,000 as of April 1, 2024.
  • This coverage change applies to both existing and new trust accounts, for all deposit products, including CDs regardless of purchase or maturity date.

You can learn more about the new changes by reviewing this fact sheet (PDF).

You can submit your inquiry using the FDIC Information and Support Center.
You can also call the FDIC at 1-877-275-3342 or 1-877-ASK-FDIC.

EDIE lets consumers and bankers know, on a per-bank basis, how the insurance rules and limits apply to a depositor's specific group of deposit accounts—what's insured and what portion (if any) exceeds coverage limits at that bank. EDIE also allows the user to print the report for their records.

EDIE calculates the insurance coverage for Personal Accounts—deposits held by people in single accounts, joint accounts, payable on death (POD)/in trust for (ITF) accounts, living trust accounts, and Individual Retirement Accounts (IRAs); Business Accounts—deposits held by corporations, partnerships, and organizations, both for-profit and not-for-profit; and Government Accounts—deposits held by public units such as school districts, cities, municipalities, counties, and states.

EDIE can be used to calculate the insurance coverage of all types of deposit accounts offered by an FDIC-insured bank, including:

  • Checking Accounts
  • Savings Accounts (both statement and passbook)
  • Money Market Deposit Accounts (MMDAs), and
  • Certificates of Deposit (CDs)

EDIE should NOT be used for investments, including:

  • Mutual Funds
  • Stocks
  • Bonds
  • Annuities
  • Crypto Assets
  • ANY investment that is not a deposit

Even if the above investments were purchased from an insured bank.

Stack of Pennies

Remember—If the accounts entered into EDIE are not deposits in an FDIC-insured bank,
the coverage information provided in the EDIE report does not apply.