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FDIC Coverage

What does the MEMBER FDIC banner mean for you?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects you against the loss of your deposits in the event that an FDIC insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

A financial institution must adhere to strict standards in order to earn this symbol of confidence.

Coverage Amounts and Eligibility

The Dodd-Frank Wall Street Reform and Consumer Protection Act made permanent the FDIC insurance limit of $250,000 per depositor. Coverage is automatic and there is no need for depositors to apply or to request FDIC insurance. The limit refers to the total of all deposits an account holder has at the bank.

All deposits made at Patriot Bank, N.A., including checking accounts, savings accounts, money markets and certificates of deposit accounts, are insured to FDIC limits. Depending upon how your deposit relationships are structured, your family can actually increase their coverage to several million dollars or more. Visit the FDIC website at to calculate how best to maximize your coverage.

The FDIC does not insure money invested in stocks, bonds, mutual funds, insurance policies, annuities or municipal securities.

Live Banker ATM

Experience the convenience of connecting with a Relationship Banker when the branch is closed or you don’t have time to come into a branch.

Learn more about Live Banker ATMs

Live Banker ATM Example