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Texas Gulf Bank | What is FDIC Insurance

What is FDIC Insurance

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDIC deposit insurance is backed by the full faith and credit of the United States government. Even in the rare circumstance that a bank has failed, no depositor has lost anything since the organization's inception in 1933 thanks to the FDIC.

FDIC insurance covers funds in checking and savings accounts, money market deposit accounts and certificates of deposit (CDs).

FDIC insurance does not cover other financial products such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities.
 
For additional FDIC deposit information, visit www.fdic.gov/deposit.

Texas Gulf Bank, N.A. is insured by the FDIC, and therefore coverage on your TGB accounts is automatic based upon account coverage limits. The FDIC provides separate coverage for deposits held in different account ownership categories. A handy tool to determine if your deposits are insured is the FDIC—EDIE The Estimator. Use the link to determine your FDIC deposit coverage.

Basic FDIC Deposit Insurance Coverage
Single Account (owned by one person)

$250,000 per owner

Joint Accounts (two or more people)

$250,000 per co-owner

IRAs and certain other retirement accounts

$250,000 per owner

Revocable Trust Accounts

Owner insured $250,000 for each unique beneficiary designated

Irrevocable Trust Accounts

$250,000 for the trust - more coverage available if requirements are met

Corporations, Partnership and Unincorporated Association Accounts

$250,000 per corporation, partnership or unincorporated association

Employee Benefit Plan Accounts

$250,000 for the non-contingent ascertainable interest of each participant

Government Accounts

$250,000 per official custodian

Source: www.fdic.gov

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