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Denver business banking


FDIC Protection

FDIC Insures Up to $250,000 Per Depositor, Per Insured Bank

The FDIC deposit insurance covers each depositor up to $250,000 per insured bank. This means that customer deposits at Citywide Banks are automatically insured by the FDIC to the standard insurance amount of $250,000 per depositor for each ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met.

The following chart shows standard insurance amounts for FDIC account ownership categories. All deposits that an accountholder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount. If you have questions about FDIC coverage limits and requirements, please visit, call toll-free 1-877-ASK-FDIC, or contact your Citywide Banks representative.
Standard FDIC Deposit Insurance Coverage Limits
by account ownership category
        Single Accounts (owned by one person)
$250,000 per owner
        Joint Accounts (owned by two or more persons)
$250,000 per co-owner
        Certain Retirement Accounts (including IRAs)
$250,000 per owner
        Revocable Trust Accounts
$250,000 per owner per beneficiary up to 5 beneficiaries (more coverage available with 6 or more beneficiaries subject to specific limitations and requirements)
        Corporation, Partnership and
        Unincorporated Association Accounts
$250,000 per corporation, partnership, or unicorporated association
        Irrevocable Trust Accounts
$250,000 for the non-contingent, ascertainable interest of each beneficiary
        Employee Benefit Plan Accounts
$250,000 for the non-contingent, ascertainable interest of each plan participant
        Government Accounts
$250,000 per official custodian
To calculate your deposit insurance coverage:
Click here to use the FDIC's Electronic Deposit Insurance Estimator (EDIE)


FDIC Consumer Resources

FDIC Deposit Insurance Videos
Helpful summary videos, brochures, and a deposit insurance calculator is now available online at the FDIC website.


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