Zovo Bank Insurance Check

Use this when the user asks whether a US bank is FDIC insured, or needs its FDIC certificate number, legal name, primary regulator, total assets, office count or website. Searches live FDIC BankFind records by name (optionally narrowed by state and city), by city and state, or by certificate number; returns up to 10 ranked matches and a CSV. Does not cover credit unions and does not estimate coverage (use estimate_deposit_coverage).

Use this when the user wants a bank's structure history from FDIC records: when it was established, mergers it absorbed, whether it failed or was acquired, and its successor bank. Takes one FDIC certificate number; returns the profile, status, failure details if any, institution-level events and a CSV. Branch openings and moves are not listed. Does not show financial statements.

Use this when the user wants to know how much of their bank deposits are FDIC insured. Takes up to 30 accounts (FDIC cert, ownership category, balance, owners, trust beneficiaries), checks each bank in live FDIC records, and applies $250,000 per owner per bank per ownership category, joint shares, and the 2024 trust rule ($250,000 per beneficiary, up to 5). Returns insured and uninsured totals per bank and category, a PDF worksheet and a CSV. The result is an estimate; it does not replace FDIC EDIE and does not cover credit unions.