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1. FDIC deposit insurance is automatic and covers at least $250,000 per depositor, per FDIC-insured bank, per ownership category, calculated dollar-for-dollar including interest accrued through the date of default.FDIC – Deposit Insurance FAQs
2. The FDIC states that since it began insuring deposits in 1934, no depositor has lost a penny of FDIC-insured funds.FDIC – Deposit Insurance At A Glance
3. Deposit insurance covers only deposit products such as checking, savings, money market deposit accounts and CDs, not stocks, bonds, mutual funds, life insurance or annuities, even if bought at an insured bank.FDIC – Deposit Insurance FAQs
4. As of April 1, 2024 the maximum coverage for a trust owner with five or more beneficiaries is $1,250,000 per owner for all trust accounts held at the same bank.FDIC – Deposit Insurance At A Glance · 2024-04-01
5. As receiver, the FDIC collects and sells the failed bank's assets and settles its debts, including claims for deposits above the insured limit.Morrison Foerster – FDIC Bank Receivership FAQs · 2023-03-12
6. Uninsured depositors receive a receivership certificate that is not a guarantee of full repayment, and payouts can be spread over several years as assets are liquidated; a 2014 study found receiverships averaged five years and uninsured claimants lost about 27% of their claim on average.Morrison Foerster / Lexology – FDIC Bank Receivership FAQs · 2023-03-12 · medium confidence
7. Under prompt corrective action rules, an institution deemed 'critically undercapitalized' will generally be placed in conservatorship or receivership within 90 days.Goodwin – FAQs About US Bank Failure · 2024-01 · medium confidence
8. California regulators closed Silicon Valley Bank on March 10, 2023 and the FDIC was appointed receiver, immediately transferring all insured deposits into a newly created Deposit Insurance National Bank of Santa Clara.Morrison Foerster – FDIC Bank Receivership FAQs · 2023-03-10
9. On March 12, 2023 the Treasury Secretary approved the systemic risk exception, authorising the FDIC to guarantee both insured and uninsured deposits at Silicon Valley Bank and Signature Bank; regulators judged that not doing so would likely have triggered more bank runs.U.S. Government Accountability Office (GAO-23-106736) · 2023-03-12
10. The Congressional Research Service reports the FDIC estimates it absorbed $16.7 billion of losses by invoking the systemic risk exception, losses that would otherwise have fallen on uninsured depositors.Congressional Research Service (IF12378), Congress.gov
11. Under the Federal Deposit Insurance Act, losses to the Deposit Insurance Fund from a systemic risk exception must be recovered through special assessments on insured banks or their holding companies.FDIC – Recent Bank Failures and the Federal Regulatory Response (speech) · 2023-03-27
12. First Republic Bank was closed by California's DFPI on May 1, 2023 with roughly $229.1 billion in assets and $103.9 billion in deposits; JPMorgan Chase assumed all deposits and its 84 offices reopened as JPMorgan branches the same day.FDIC statement reported via TipRanks/TheFly · 2023-05-01
13. The FDIC estimated the First Republic resolution would cost the Deposit Insurance Fund about $13 billion, with the agency providing loss-share cover and $50 billion of five-year fixed-rate financing to JPMorgan.Cleary Gottlieb / JPMorgan Chase press release · 2023-05-01
14. An FDIC spokesperson described the payout hierarchy in a failure, with unsubordinated debt holders reimbursed after depositors and shareholders last in line for any remaining proceeds.CBS News · 2023-05-02 · medium confidence
15. The FDIC's own summary records 575 bank failures from 2001 through 2026, illustrating that failures are recurring rather than exceptional.FDIC – Failed Bank Summary · 2026
16. Bank failures have recently been rare and small: two failures in 2024, two in 2025, and Chicago-based Metropolitan Capital Bank & Trust ($261.1 million in assets) closed on January 30, 2026 with deposits assumed by First Independence Bank.Bankrate – List of Failed Banks · 2026-01-30 · medium confidence
17. In the UK, the Financial Services Compensation Scheme raised its deposit protection limit from £85,000 to £120,000 per person per authorised firm on 1 December 2025, with temporary high balance cover of £1.4 million.Financial Services Compensation Scheme (FSCS) · 2025-12-01
18. The FSCS pays deposit compensation automatically, normally within seven working days of a bank, building society or credit union failing, with no claim form required.Financial Services Compensation Scheme (FSCS)

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