Most Americans are familiar with FDIC-insured banks,the Federal Deposit Insurance Corporation is a U.S. government corporation which guarantees the safety of most account types in banks that are members, accounts are protected up to $250,000 per depositor per bank for CDs, checking, savings, retirement, money market, and a few other account types,some things that are not guaranteed at your FDIC bank include stocks, safety deposit boxes, stocks, and several others, believe it or not, FDIC does not insure your money if it gets stolen from the bank the bank's private insurance should cover that