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# What is FDIC insurance?

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## Video: What is FDIC insurance?

[Watch (HLS stream): What is FDIC insurance?](https://cdn.jwplayer.com/manifests/CBVEIHUB.m3u8) (1:12)

![What is FDIC insurance?](https://cdn.jwplayer.com/v2/media/CBVEIHUB/poster.jpg?width=720)

_Published 2016-04-26. Explaining how the banks are insured so that your money stays safe._


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Jul 27, 2023 8:00 PM UTC

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---


## Transcript

Today on dumb money, what's FDIC insurance? How does it work? I'm here to answer the money questions you think are too silly, stupid, or scary to ask. I'm Taylor Tepper and this is dumb money. Remember people running to their banks in the fall of 2008, taking out their life savings and piling mounds of cash underneath their mattresses? Yeah me neither. And that's thanks to the FDIC. The Federal Deposit Insurance Corporation was created in response to bank runs during the great depression. When thousands of banks went under. The FDIC insures up to $ 250, 000 of your money in various accounts. Like checking and savings.

Any investments in stocks and bonds though they're not covered. The key is that your bank has to be a member. Use the FDIC bank find tool to see if yours is, chances are your covered since more than 6, 100 banks are. If you're bank does bail, the FDIC will either set you up with a new account at another insured bank with the amount of money you had or just cut you a check. And if your cash is in a credit union, not a bank, don't worry. That's insured too by a different organization, the National Credit Union Association. Go to the NCUA's website to check that your credit union is there. [ MUSIC ]

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