Account Ownership Categories
View Account Ownership Categories as a PDF
This chapter provides a detailed discussion of the FDIC's deposit insurance coverage rules and requirements for each of the following ownership categories:
- Single accounts — 12 C.F.R. § 330.6
- Certain retirement accounts — 12 C.F.R. § 330.14(b)(2)
- Joint accounts — 12 C.F.R. § 330.9
- Trust accounts — 12 C.F.R. § 330.10
- Employee benefit plan accounts — 12 C.F.R. § 330.14
- Business/Organization accounts — 12 C.F.R. § 330.11
- Government accounts (public unit accounts) — 12 C.F.R. § 330.15
- Mortgage servicing accounts for principal and interest payments — 12 C.F.R. § 330.7(d)
- Accounts held by a depository institution as the trustee of an irrevocable trust — 12 C.F.R. § 330.12
- Annuity contract accounts — 12 C.F.R. § 330.8
- Public bond accounts — 12 C.F.R. § 330.15(c)
- Custodian accounts for Native Americans — 12 C.F.R. § 330.7(e)
The order in which the 12 ownership categories are discussed in this Employee's Guide is based on the frequency of interest in each category by depositors and bankers contacting the FDIC.
In the deposit insurance examples provided in this Employee’s Guide, assume the account owners do not have any deposit accounts except those mentioned. Also, unless otherwise indicated, assume all owners and beneficiaries are alive.
For More Information from the FDIC
Call Toll-Free
1-877-ASK-FDIC (1-877-275-3342)
Calculate deposit insurance coverage using the FDIC’s Electronic Deposit Insurance Estimator (EDIE)
Read more about FDIC deposit insurance on our Deposit Insurance webpage
View frequently asked questions on deposit insurance coverage
Order FDIC deposit insurance products through the FDIC Online Catalog
Submit deposit insurance questions online using the FDIC Information and Support Center
Submit deposit insurance questions by U.S. Mail
Federal Deposit Insurance Corporation
Attn: Deposit Insurance Unit
550 17th Street, NW
Washington, DC 20429