Skip to content

FDIC Insurance Coverage

Learn more about our FDIC Insurance Coverage

What is the FDIC?

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured bank fails. More simply, the FDIC promotes stability and public confidence in the U.S. financial system by insuring your deposits at the bank.

Are My Deposits Insured?

Yes, your deposits at Metropolitan Bank are insured. Metropolitan Bank is located in Oakland, California and has been a FDIC member since December 17, 1984. Our FDIC Certificate Number is 25869, and you may find out more about us at Institution Directory under

Click here for more information about FDIC’s Deposit Insurance.

Basic FDIC Deposit Insurance Coverage Limits*

Single Accounts (owned by one person)$250,000 per owner
Joint Accounts (two or more persons)$250,000 per co-owner
IRAs and Certain Other Retirement Accounts$250,000 per owner
Trust Accounts$250,000 per owner per beneficiary subject to specific limitations and requirements
Corporation, Partnership and Unincorporated Association Accounts$250,000 per corporation, partnership or unincorporated association
Employee Benefit Plan Accounts$250,000 for the non-contingent, ascertainable interest of each participant
Government Accounts$250,000 per official custodian