FDIC Deposit Insurance

Your deposits at M&T Bank are fully insured by the FDIC up to the standard insurance amount of $250,000.

Are my M&T Bank deposit accounts covered by FDIC deposit insurance?

Yes, subject to applicable limits. M&T Bank is a member of the Federal Deposit Insurance Corporation (FDIC), certificate number 588.

The FDIC is an independent agency of the U.S. government which protects depositors of insured U.S. banks against the loss of their deposits if that bank fails. FDIC deposit insurance is backed by the full faith and credit of the United States government.

FDIC deposit insurance covers all types of deposits received at an insured bank, except for investments – even if those investments were purchased at an insured bank.

​General FDIC Deposit Insurance Limit

The standard insurance amount is $250,000, but this depends on qualifiers unique to the depositor, the insured bank and for each account ownership category.  Please see FDIC Deposit Insurance at a Glance (PDF) for more information.

Estimate your coverage by accessing the FDIC Electronic Deposit Insurance Estimator (EDIE), which explains how the insurance rules and limits apply, and allows you to print a report for your records.

Learn more about FDIC deposit insurance.

For more information about FDIC deposit insurance, visit fdic.gov.

About M&T Bank.

M&T is built on longstanding customer relationships and a strong, well diversified deposit base. Our conservative operating philosophy helps us weather all types of economic cycles. Download About M&T Bank factsheet.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.