You May Be Covered for More Than You Think
A Safe Place for Your Deposits, Right Here in Winter Park Your deposits at Commerce Bank & Trust are FDIC-insured up to $250,000 per depositor, per ownership category, per insured bank. Because that limit applies to each ownership category separately, the way you title your accounts can qualify you for total coverage well beyond $250,000.
And if your balances go past what titling alone can cover, we offer IntraFi solutions that extend FDIC protection into the millions. Backed by the full faith and credit of the U.S. government, FDIC insurance ensures your eligible principal and accrued interest are fully protected up to applicable limits.
Protection Breakdown
What FDIC Insurance Covers (and Doesn't Cover)
Covered Deposit Accounts
- Checking Accounts
- Savings Accounts
- Money Market Deposit Accounts
- Certificates of Deposit (CDs)
Non-Covered Investments
- Mutual Funds
- Stocks
- Bonds
- Annuities
- Crypto Assets
- ANY investment that is not a deposit
Multi-Million Dollar Protection
When You Need More Than Titling Can Cover
Careful titling takes most households and businesses well past $250,000. When your balances go beyond that, you do not need to move money to another bank or open accounts all over town.
Through IntraFi, we offer ICS and CDARS, which place your deposits across a network of FDIC-insured institutions while you keep working with us. Your funds stay under FDIC protection, often into the millions, and you keep one relationship, one statement and one banker who knows your name.
Verify Your Total Coverage
Because ownership structures, beneficiary designations and business entities all factor into your coverage limits, we recommend reviewing your total setup: