Make Sure Your Money Is Safe. Here's What's Covered:

The FDIC covers cash and cash equivalents up to $250,000 per qualifying account. -- accounts like your CDs, money market accounts, and checking and savings accounts. Each name on the qualifying account is covered up to $250,000, so you can have multiple protected accounts at the same bank.

For example: An account in your name is covered up to $250,000, and an account in your husband's name is also covered up to $250,000. If you had a joint account with each of you contributing $250,000, the FDIC would cover $500,000 for that account.

Learn more in our article FDIC Insurance 101.

Next: Do You Have Money at Risk? See what's not protected.