The per depositor, per bank, per ownership category rule lets a married couple insure $1 million at one bank using just three accounts. Naming five beneficiaries on a revocable trust account pushes ...

If you’ve started building a CD ladder or locking in strong rates, you’ve probably wondered: How many CDs can you have at one bank? Can you open five? Ten? Twenty? Is there some limit banks don’t ...

On April 9, 2026, the Federal Deposit Insurance Corporation (“FDIC”) issued a Notice of Proposed Rulemaking (the “FDIC Proposal”) to implement the Guiding and Establishing National Innovation for U.S.

Senators Bill Hagerty and Angela Alsobrooks have introduced legislation that would raise the FDIC deposit insurance limit on noninterest-bearing transactions account balances from $250,000 to $10 ...

Bank leaders and regulators urged senators to consider targeted deposit insurance reform to protect business operating accounts, especially in light of digital-age deposit flight risks. Proposals ...

The FDIC has substantially raised the amount of reciprocal deposits that qualifying banks can hold under the statutory exception from brokered-deposit treatment. The change gives qualifying banks more ...

Travis Hill, FDIC chairman, says the agency is not ruling out risks from AI tools that could allow customers to move deposits more quickly in search of higher returns, though he says such a scenario ...

A proposed increase to federal deposit insurance levels for certain business accounts is a necessary reform that will support community banks and the communities they serve, writes Jack Hopkins, of ...