When a bank fails, the important question is not whether the bank is famous. It is how much of your deposit is insured. Serbia’s central bank revoked Alta Bank’s license on October 30 after its financial condition deteriorated. Its deposit insurance limit is €50,000. U.S. depositors have a different protection system, but the news is a useful reminder to check coverage before trouble starts.
What the FDIC actually covers
The standard limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. Checking, savings and CDs generally count; stocks, mutual funds and crypto do not. Two individual accounts in your name at the same bank are combined, not insured separately. Two owners of a qualifying joint account can have up to $500,000 in coverage in that joint category, separate from their eligible single accounts.
Example: One person has $200,000 in checking and $100,000 in savings at the same insured bank, both single accounts. The combined $300,000 has $250,000 insured and $50,000 above the standard limit. Interest accrued also matters.
Which banks report the largest uninsured balances?
The following are individual bank charters, not holding companies, ranked by estimated uninsured domestic deposits reported for June 30, 2026. Dollar figures are in billions. The last column is the uninsured amount divided by all reported deposits, including foreign offices where applicable, rounded to whole percentages. It is a descriptive comparison, not a domestic-deposit ratio or a bank-safety score.
| # | Bank charter | Uninsured est. | Share of total deposits* |
|---|---|---|---|
| 1 | JPMorgan Chase Bank | $1,392.5B | 49% |
| 2 | Bank of America | $899.7B | 42% |
| 3 | Wells Fargo Bank | $786.2B | 50% |
| 4 | Citibank | $739.5B | 48% |
| 5 | U.S. Bank | $282.9B | 52% |
| 6 | Bank of New York Mellon | $254.0B | 68% |
| 7 | State Street Bank and Trust | $247.6B | 76% |
| 8 | Goldman Sachs Bank USA | $214.0B | 43% |
| 9 | PNC Bank | $204.9B | 45% |
| 10 | Truist Bank | $188.3B | 45% |
| 11 | Morgan Stanley Bank | $118.1B | 42% |
| 12 | Fifth Third Bank | $106.9B | 44% |
| 13 | Capital One | $106.7B | 21% |
| 14 | TD Bank | $103.5B | 37% |
| 15 | BMO Bank | $102.3B | 53% |
| 16 | HSBC Bank USA | $96.1B | 68% |
| 17 | Citizens Bank | $89.6B | 47% |
| 18 | M&T Bank | $84.2B | 49% |
| 19 | KeyBank | $82.1B | 52% |
| 20 | Huntington National Bank | $73.7B | 32% |
Perspective: JPMorgan Chase Bank reports roughly $1.39 trillion in estimated uninsured deposits, while Bank of America reports about $900 billion. Those large amounts partly reflect enormous deposit bases and institutional customers. A custody bank or corporate banking business can look very different from a consumer-focused lender. Neither the dollars nor the percentages alone establish insolvency, liquidity weakness or the likelihood of failure.
Three checks worth making today
- Verify the charter. Confirm the institution is FDIC insured. Different brand names can belong to the same bank charter.
- Add accounts by ownership category. Combine your single accounts at that bank; treat qualifying joint, trust and retirement categories under their separate rules.
- Run the FDIC’s free EDIE estimator. It calculates insured and potentially uninsured amounts for your specific account setup. If you exceed the limit, consider spreading funds among separately insured banks or changing ownership arrangements only after understanding the rules.
The takeaway: A bank’s uninsured-deposit ranking is about its funding mix. Your own deposit-insurance calculation is what tells you whether your savings are protected.
Sources: FDIC, Your Insured Deposits; FDIC, EDIE; FDIC BankFind API and Call Report data; On the Record, June 2026 uninsured-deposit ranking; EconoMonitor, Q2 2026 ranking cross-check; Associated Press, Alta Bank closure, November 2026.
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