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FDIC Insurance

FDIC Insurance

What is the FDIC?

The Federal Deposit Insurance Corporation (FDIC) is an independent U.S. government agency created in 1933 to promote public confidence and stability in the nation's banking system. It does this by insuring bank deposits up to $250,000 per depositor for each account ownership category (e.g., single accounts, joint accounts, trust accounts, business accounts, certain retirement accounts, government accounts, employee benefit plan accounts) at nearly 5,000 FDIC-insured banks nationwide.

In addition to protecting depositors' funds, the FDIC works to ensure that its member institutions are compliant with key banking laws and regulations. The FDIC also monitors troubled banks and helps reorganize them if necessary, working to maintain a safe banking industry in the process. As such, the agency plays an important role in financial security across the United States by helping protect Americans’ hard-earned savings and investments.

With its combination of consumer protection measures, supervision of financial institutions, monitoring of emerging risks throughout the banking system and prompt resolution of failed banks, the FDIC plays an increasingly vital role in keeping America’s financial markets strong and stable. From safeguarding individual depositors’ money to ensuring a secure future for our entire economy, it’s easy to see why the FDIC is such an important agency today.

Central Pacific Bank has been a Member of the FDIC since its founding in 1954. In fact, CPB is the longest FDIC-insured bank in Hawaii, providing a legacy of strong protection for our customers and their assets. If you would like to learn more about our many FDIC-insured account options, schedule an appointment at your neighborhood CPB branch today!

To learn more about the FDIC, visit fdic.gov.

For More Information from the FDIC

Call toll-free

1-877-ASK-FDIC (877-275-3342)
TTY Toll-free number 1-800-877-8339

Calculate insurance coverage

Use the FDIC's online Electronic Deposit Insurance Estimator (EDIE) at: https://edie.fdic.gov

Read more about FDIC insurance online at:


View frequently asked questions on deposit insurance coverage at: