where money goes

If your bank failed tomorrow, this is the number that decides what you get back.

Deposits are insured to at least $250,000 per depositor, per bank, per ownership category. Stocks, funds and crypto are not deposits, and they are not covered.

You asked for the FDIC check card. It is below, as the slides from the post, then the one move, then the tool the chart points at.

Slide 1 of 7: If your bank failed tomorrow, this is the number that decides what you get back.

Slide 2 of 7: Deposits at each FDIC-insured bank are covered to at least this amount per depositor.

Slide 3 of 7: What deposit insurance covers, and what it does not.

Slide 4 of 7: The fear that an online bank is less safe keeps people in accounts paying almost nothing.

Slide 5 of 7: If you have more than $250,000 at one bank, the limit does apply, and the fix is simple.

Slide 7 of 7: Save this for the day you finally move the money.

Two things to confirm before you open any account.

01
The words FDIC-insured appear on the account page.The FDIC's BankFind tool confirms it in a minute.
02
You know which ownership category the account falls in.Single, joint, or retirement. Each is covered separately.

The tool this chart points at

A high-yield savings account

FDIC-insured, no monthly fee, no minimum balance. Where the emergency fund lives.

Open it

This link may pay Money in One Chart a referral fee if you open an account. Your price does not change. How that works.

Sources: FDIC Deposit Insurance page, accessed 2026-09-20; FDIC Deposit Insurance page.

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