Browser-only checker / 实用工具
| Single category gap | |
|---|---|
| Joint category gap | |
| Trust/beneficiary review flag |
This is a conservative prompt, not an FDIC coverage determination. Do not enter account numbers, SSNs, login credentials or legal documents.
How to use / 使用方法
- Enter rounded balances by ownership category for one official bank.
- Use the flags to decide what needs official FDIC or bank verification.
- Check official account titles, beneficiaries, bank legal names and FDIC tools before changing deposits.
Official verification box / 官方验证盒
- Verify deposit insurance using official FDIC resources, bank legal names, account agreements and current account titles.
- Confirm whether CDs, brokered deposits, cash sweep programs, fintech partner banks or beneficiary accounts are grouped differently.
- If this page conflicts with FDIC guidance, bank records or qualified professional advice, official/current sources control.
Commercial next steps
Related Omellody tools
Disclaimer
This page is general education only and is not personalized financial, tax, legal, credit, banking, insurance or professional advice. Deposit insurance rules and account ownership details can be complex. Verify official sources and consult qualified professionals for personal decisions.
FAQ
Does this determine my actual FDIC insurance?
No. It is a planning checklist. Use official FDIC resources and bank records for current coverage questions.
Are fintech accounts always covered the same way?
No. Partner-bank, sweep and custodial arrangements vary. Verify official program disclosures and FDIC guidance.
Should I enter account numbers or legal names?
No. Use rounded, non-sensitive labels and verify private details outside this browser worksheet.