If an FDIC-insured U.S. bank fails after a cyberattack, FDIC deposit insurance applies to eligible deposits under the usual rules: up to $250,000 per depositor, per insured bank, per ownership category. The cause of the bank’s failure does not create a separate coverage limit in the FDIC’s general guidance. But insurance for a bank failure is not reimbursement for money stolen from your account.
What FDIC insurance covers—and what it does not
FDIC insurance automatically covers qualifying deposit accounts at FDIC-insured banks and savings associations; customers do not buy a separate policy. Confirm that an institution is insured with the FDIC’s BankFind, and use the FDIC’s Electronic Deposit Insurance Estimator to assess account coverage.
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The standard limit is $250,000 per depositor, per insured bank, per ownership category. It includes principal and interest accrued through the date the bank closes. Accounts at different branches of the same bank are combined, not separately insured. Different ownership categories may qualify for separate coverage under FDIC rules, so a person or household could have more than $250,000 insured at one bank depending on how accounts are owned and structured.
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Checking, savings, money market deposit accounts and certificates of deposit are examples of covered deposit products. Stocks, bonds, mutual funds, crypto assets, annuities and life-insurance policies are not insured deposits, even if sold or offered through a bank. Safe-deposit-box contents are not covered either.
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What happens to insured deposits when a bank closes
A bank failure occurs when a regulatory authority closes the bank. The FDIC then acts as insurer of deposits and receiver for the failed bank. As receiver, it manages the bank’s assets and claims, including claims involving uninsured deposits; that process is distinct from paying insured deposits.
The FDIC’s preferred and most common resolution is a purchase-and-assumption transaction: a healthy bank takes over deposits, and insured depositors become customers of that bank. If no bank assumes the deposits, the FDIC pays insured amounts directly, usually by check. The agency says it aims to make deposit-insurance payments within two business days, but that is a goal, not a guarantee for every account. Some accounts—such as certain trust or brokered deposits—may require additional documentation and take longer to resolve.
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Recent outcomes illustrate timing but do not guarantee future results. The FDIC’s 2026 Annual Report says insured depositors at the two insured depository institutions that failed in 2025 had access to insured funds within one business day, and reports no losses on insured funds in those failures.
If a cyberattack steals money from your account
FDIC insurance protects depositors against the failure of an insured bank; it does not protect against losses due to theft or fraud. If someone accesses your account and makes an unauthorized transaction, contact your bank promptly and ask what protections and dispute procedures may apply. Other laws and consumer protections may be relevant, but which ones apply depends on the circumstances; FDIC deposit insurance itself does not reimburse a hacked-account loss.
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How to check your coverage before a failure
- Verify the institution. Search for the bank in the FDIC’s BankFind. Do not assume that a financial app, investment provider or product is itself an FDIC-insured bank.
- Add deposits across the same bank. Count eligible accounts at that bank together, including accounts held at different branches, and include accrued interest when assessing the amount at risk.
- Identify each account’s legal ownership category. Separate coverage may apply to different categories under FDIC rules. Use the FDIC’s Electronic Deposit Insurance Estimator to examine how your ownership and account structure affect coverage.
- Confirm that the asset is a deposit. A bank-associated investment or safe-deposit-box item is not made into an insured deposit by being connected to a bank.
Cybersecurity services do not increase the FDIC limit or change which assets count as insured deposits. Recent FDIC material on bank failures and depositor behavior is context, not a promise that a future cyber incident will leave access or confidence unaffected. The FDIC’s May 14, 2026 announcement describes a staff study using transaction data from Silicon Valley Bank, Signature Bank and First Republic Bank; it said fully insured retail depositors generally did not run before those spring 2023 failures.
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