As of January 2015, the Federal Deposit Insurance Corporation (FDIC) states an insurance limit of $250,000 per entity. The entity covered may be defined as an owner, co-owner, unique beneficiary, trust, plan participant, corporation, partnership, unincorporated association, or official custodian, according to the FDIC.
The FDIC offers several different types of accounts, including single, certain retirement, joint, revocable trust, irrevocable trust, employee benefit plan and government, as stated by the FDIC. The FDIC also offers corporation, partnership and unincorporated association accounts. Depositors are insured up to at least $250,00 as long as their bank is officially recognized as an FDIC-insured bank.