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Ampersand, Inc. is not a bank. Deposits are placed, as administrator, at FDIC- and NCUA-insured institutions.Serving public entities? Ampersand Public Advisors ↗
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FDIC coverage calculator
How much of my business cash is insured?

Enter your balances at each bank to estimate how much of your business cash is within the $250,000 FDIC limit — and how much is exposed if a bank fails.

Your balances by bank (one ownership category, e.g. business account)
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Estimated insured9.1%of $7.7M
Within FDIC limits$700,000
Uninsured / exposed$7,000,000
Operating bank$250K insured · $5.75M exposed
Second bank$250K insured · $1.25M exposed
Bank 3$200K insured
To keep every dollar within limits, $7.7M would need to sit across roughly 31 insured institutions at up to $250K each. Ampersand does that through one account.

Tools provide estimates for general information only and are not an offer, a rate quote, or legal, tax or investment advice. FDIC coverage estimates assume a single ownership category and do not account for joint, trust, retirement or other categories or deposits you may hold elsewhere; use the FDIC’s Electronic Deposit Insurance Estimator at edie.fdic.gov for an official estimate. Earnings are hypothetical, assume simple interest, and are not guaranteed; the national average is the FDIC national savings rate (0.39% as of 10/06/2025). ‡ Program rates have averaged 5–9x the FDIC national average savings rate, as of 10/15/2026; averages are not a guarantee of any client’s rate. § CDs are issued by participating insured institutions and may carry early withdrawal penalties. A placement fee applies to CDs and is charged at maturity, subject to a signed agreement with Ampersand; see your agreement for fee details. Ampersand, Inc. is not a bank. Full disclosures →