FDIC insurance limits explained
How the $250,000 FDIC insurance limit works, how ownership categories and aggregation affect coverage, what happens to uninsured deposits, and how businesses insure cash above the limit.
Read the guide →02 · Extended coverageExtended FDIC insurance
Extended (excess) deposit insurance explained: how businesses protect cash above the $250,000 FDIC limit using multi-bank deposit placement and pass-through insurance — with one account.
Read the guide →03 · Bank failuresWhat happens when a bank fails?
What happens to insured and uninsured deposits when a bank fails, how FDIC receivership works, lessons from SVB and recent 2026 bank failures, and how businesses can protect cash.
Read the guide →04 · Better ratesHigh-yield business savings
How businesses can earn better rates on excess cash and reserves than a typical bank savings account — while keeping deposits FDIC-insured and liquid. No setup fees, no monthly fees, no minimums.
Read the guide →05 · CD ratesBusiness CD rates
How to find competitive CD rates for business cash: CDs from insured banks and credit unions nationwide, any duration from 1 month to 5 years, CD laddering, insurance limits and fees.
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