Member FDIC

Feel secure knowing the FDIC insures each depositor at Fifth Third to $250,000 (and possibly more).

“Member FDIC” may sound like it’s a gym or club membership, but, actually, it means that your deposits at Fifth Third Bank are covered by the government’s Federal Deposit Insurance Corporation, or FDIC for short.

Since the FDIC was established in 1933, “no depositor has ever lost a penny of their FDIC-insured deposits.”1 You can feel assured, knowing that your insured deposits at Fifth Third Bank are protected.

Types of accounts covered

The list2 below can help you determine if your Fifth Third account is covered by FDIC insurance or not. If you have any question regarding your FDIC deposit account coverage, contact your local branch.

You can find additional information on which accounts are covered at the FDIC website.

Covered by FDIC Not Covered by FDIC
Consumer Accounts Business Accounts Consumer and Business Accounts
Checking Checking Annuities
Money market account (MMA) Money market account (MMA) Money market funds
Savings Savings Mutual funds
Certificates of Deposit (CD) Certificates of Deposit (CD) Stocks
Cashier's check Cashier's check Bonds
  NOW account Government securities
    Municipal securities
    U.S. Treasury securities

You can find additional information on which accounts are covered at the FDIC website.

Coverage amount

The standard FDIC coverage amount is up to $250,000 per depositor, per insured bank, for each account ownership category. If you have joint deposit accounts, you and the other account co-owner(s) are covered up to $250,000 each in the joint account ownership category. Your share of each joint account on which you are an owner will be added together to determine this coverage.

Here’s an example:

Account Owner Account Type Account Amount FDIC Insured Amount Uninsured Amount


(Single Account)

Certificate of Deposit $265,000


(You: Single account ownership category)


Your spouse

(Single Account)

Checking $10,000


(Your spouse: Single account ownership category)


You + your spouse

(Joint Account)

Money market account $500,000


(You: Joint account ownership category)


(You: Joint account ownership category)

Totals   $775,000 total deposits between you and your spouse $760,000 FDIC insured between you and your spouse; or $500,000 insured in your name; $260,000 insured in your spouse's name. $15,000 uninsured

Calculate your insured amount

While FDIC protects your covered accounts, it’s your responsibility to know your current coverage amount—so you receive the full FDIC coverage you’re entitled to. You can estimate your FDIC coverage with the Electronic Deposit Insurance Estimator (EDIE).

Ensuring accurate FDIC coverage

To ensure that all Fifth Third deposit accounts associated with you are covered for the accurate FDIC insurance amount, we depend on having up-to-date account ownership information on file.

Older deposit accounts

If it’s been a while since you opened your account with us, we may ask you to confirm your account ownership information. If you have any questions, feel free to contact us:

Fiduciary and Trust accounts

If you’re the fiduciary account holder of individual monies owned by other persons, you’re responsible for providing Fifth Third Bank with ownership information for the individual monies you hold so that Fifth Third Bank and the FDIC can appropriately determine insurance coverage. Learn more

If you are a trustee of an account you are responsible for providing information regarding grantors and beneficiaries. Learn more

Fifth Third Bank: A source of financial strength since 1858

Since our beginnings as The Bank of the Ohio Valley in Cincinnati, our customers have been able to rely on our financial strength and stability. As a member of the FDIC, we can provide our customers with the added assurance of deposit protection that’s backed by the full faith and credit of the United States government.

Helpful FDIC links and videos