Your money is safe at Capital One Bank®

Capital One, N.A., is a member of the Federal Deposit Insurance Corporation (FDIC).  The FDIC is an independent agency of the United States government that protects your deposits in the event that an FDIC-insured bank fails. The FDIC insures balances up to $250,000 held in various types of consumer and business deposit accounts, and coverage up to the FDIC’s limit is automatic whenever a deposit account is opened at an FDIC-insured bank, like Capital One.

FDIC insured up to $250,000.

Deposits in checking accounts, savings accounts, money market deposit accounts, and certificates of deposit are insured up to $250,000 per depositor, per ownership type. The amount of FDIC insurance coverage you may be entitled to depends on your account’s FDIC ownership category, such as a Single, Joint, or Trust Account.  Business account deposits are also insured—up to $250,000—separately (per depositor, per ownership type) from the personal accounts of the entity's stockholders, partners, or members.

All deposits that an account holder has in the same ownership category, within the same bank, are added together and insured up to the standard insurance amount of $250,000. For more information about the different FDIC Ownership Categories, and the amount of coverage available to you or your beneficiaries, you can visit the FDIC’s What’s Covered page.  You may be able to increase your coverage under certain scenarios.  To learn more about ways to increase your coverage, refer to the FDIC’s Your Insured Deposits page to view possible scenarios to maximize your coverage.


FDIC deposit insurance protects Capital One customers. Bank customers don’t need to purchase deposit insurance; it is automatic for any deposit account opened at Capital One. Deposits are insured up to $250,000 per depositor, per ownership category at Capital One.

Deposit insurance is calculated dollar-for-dollar, principal plus any interest accrued or due to the depositor, through the date of default. For example, if a customer had a CD account in their name alone with a principal balance of $195,000 and $3,000 in accrued interest, the full $198,000 would be insured.

  • Single Accounts (owned by one person with no beneficiaries): $250,000 per owner
  • Joint Accounts (two or more persons with no beneficiaries): $250,000 per co-owner
  • Revocable trust accounts: Each owner is insured up to $250,000 for each unique eligible beneficiary named or identified in the revocable trust, subject to specific limitations and requirements.

Depositors do not need to apply for or purchase FDIC deposit insurance. Coverage is automatic whenever a deposit account is opened at Capital One. If you want your funds insured by the FDIC, when you open an account at Capital One, be sure that your deposit does not exceed the insurance limit for that ownership category.

FDIC Insured deposit products include checking accounts, savings accounts, CDs and money market deposit accounts (MMDAs). The amount of FDIC insurance coverage you may be entitled to depends on the ownership category. This generally means the manner in which you hold your funds. Some examples of FDIC ownership categories include single accounts, joint accounts, trust accounts, and business accounts.