How to Know If Your Bank Deposits Are Insured

If these are shares at an NCUA-insured credit union, the insured amount is $700,000, since the IRA and Keogh accounts are treated separately, each having a $250,000 insurance limit.

As you can see, depending on your scenario, your deposit insurance picture can be a bit complicated.

Helpful Links

The above examples are not exhaustive, and may not match your situation. If you would like to review the full FDIC and NCUA insurance publications, which contain detailed examples of insurance coverage for multiple accounts, click the following links:

FDIC Summary Insurance Guide

FDIC Full Guide - Your Insured Deposits

FDIC's Electronic Insurance Estimator

NCUA - Your Insured Funds

NCUA - Bulletin on Retirement Account Insurance Coverage

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