某些退休账户——IRA，自主固定缴款计划——自主的401（k）计划、以401（k）计划形式持有的自主SIMPLE IRA计划，以及自主的固定缴款利润分享计划——自主的Keogh计划账户，以及第457条递延报酬计划账户（Section 457 deferred compensation plan accounts）；联合账户（Joint accounts）；可撤销信托账户（Revocable trust acco...
Joint accounts (accounts with more than one owner with equal rights to withdraw) Revocable trust accounts (containing the words "Payable on death", "In trust for", etc.) Irrevocable trust accounts 员工福利账户。Employee Benefit Plan accounts (deposits of a pension plan) 商业账户。Corporation/Part...
The primary purpose of the FDIC is to prevent "run-on-the-bank" scenarios, which devastated many banks during theGreat Depression. For example, with the threat of the closure of a bank, small groups of worried customers rushed to withdraw their money in those years. After fears spread, a ...
根据FDIC规定,获得担保的帐户存款是以"一元对一元"(dollar-for-dollar)的保障方式,本金与利息都包括在内,以银行关闭当天为期结算;每名客户在获得FDIC担保的每家银行,每种类别的帐户有25万元保险上限。举例来说,若有存款人在一家获得FDIC担保的银行总共存款27万5000元,银行不幸走上硅谷银行(Silicon Valley Bank)的...
The account must be held at an institution that is a member of the FDIC, such as U.S. Bank. The product must be an insured product. The amount of the deposit cannot exceed the protection limit.Refer to our FDIC handout for information on FDIC-insured products and their protection limits...
(FDIC) insurance will safely cover at a single community bank. A husband and wife could both have separate bank accounts in each of their names. The couple could also has a joint account which is covered for up to $200,000.EBSCO_bspAaii Journal...
Why Is it Important to Choose a Bank Account That Is FDIC-Insured? Perhaps the most significant benefit of having a FDIC-insured deposit account is that the deposit insurance ensures up to $250,000 ($500,000 for a joint account) for each account ownership category in the event of a bank...
A single account titled Jane Doe would be insured up to $250,000. A joint account titled Jane Doe and John Smith would be insured up to $250,000 for both depositors for a total of $500,000. A revocable trust account with one owner naming three unique beneficiaries would be insured up...
A joint bank account, meanwhile, will also be insured separately from a single-ownership account and for each owner of the account. That means if you open an individual checking account and a joint checking with your partner, those two accounts would qualify for $750,000 of total insurance....
plus a retirement account such as an IRA which has a swept cash balance of $250,000 at Charles Schwab Bank, then FDIC insurance would cover a total of $750,000 for you, plus the $250,000 owned by the other owner of your joint account. For Sweep FDIC coverage to apply, certain condi...