FDIC Deposit Insurance
Your deposits at Bellwick National Bank are insured by the Federal Deposit Insurance Corporation up to the maximum allowed by law.
FDIC Certificate Number
#52891
Standard Deposit Insurance
The FDIC insures deposits at member banks to protect you in the unlikely event that a bank fails.
Insured Up To
$250,000
per depositor, per insured bank, for each account ownership category
Per Depositor
Each person is insured separately. Joint account holders each receive $250,000 in coverage for their share of the account.
Per Insured Bank
Coverage limits apply separately at each FDIC-insured bank. If you have accounts at multiple banks, each is independently insured.
Per Ownership Category
Different ownership categories (single, joint, trust, etc.) are insured separately, potentially increasing your total coverage.
What's Covered and What's Not
FDIC Insured
Checking Accounts
All Bellwick checking accounts, including Essential, Premier, and Private Client checking.
Savings Accounts
High-Yield Savings, regular savings, and money market deposit accounts.
Certificates of Deposit (CDs)
All Bellwick CD terms from 3 months to 60 months, including jumbo CDs.
Money Market Deposit Accounts
Bellwick money market accounts that are deposit products (not money market mutual funds).
Cashier's Checks & Money Orders
When issued by Bellwick National Bank and drawn on a Bellwick account.
Negotiable Order of Withdrawal (NOW) Accounts
Interest-bearing transaction accounts held at Bellwick.
Not FDIC Insured
Mutual Funds
Investment products including stock, bond, and money market mutual funds, even when purchased through Bellwick.
Stocks and Bonds
Individual equities, corporate bonds, municipal bonds, and other securities.
Annuities
Fixed and variable annuities, whether sold by Bellwick or a third-party provider.
Cryptocurrency
Digital currencies and crypto assets are not deposits and are not FDIC insured.
Life Insurance Policies
Life insurance products are not bank deposits and are not insured by the FDIC.
Safe Deposit Box Contents
Items stored in your safe deposit box are not FDIC-insured deposits.
Coverage by Ownership Category
Different account ownership categories are insured separately, which can increase your total FDIC coverage at Bellwick.
| Ownership Category | Coverage Limit |
|---|---|
| Single Accounts | $250,000 |
| Joint Accounts | $250,000 per co-owner |
| Revocable Trust Accounts | $250,000 per beneficiary |
| Irrevocable Trust Accounts | $250,000 per beneficiary |
| Retirement Accounts (IRAs) | $250,000 across all IRAs at same bank |
| Business Accounts | $250,000 per corporation/LLC/partnership |
Estimate Your Coverage
Use the FDIC's Electronic Deposit Insurance Estimator (EDIE) to calculate your exact coverage based on your accounts and ownership categories.
Use FDIC EDIE CalculatorOpens the official FDIC website in a new window at fdic.gov
Your deposits are protected
Bellwick National Bank has been FDIC insured since 1952. Your money is safe with us.