Is FDIC INSURED FOR ONE ALL ACCOUNTS?
107528
Joint accounts are covered $100,000 per accountholder.
609582
There is single interest insurance to cover loan principal, usually taken against the owner or officers of the corporation. Not as comprehensive as the consumer credit insurance out there, it does manage to defray some risk. Key man life insurance and solid coverage for lost and employee dishonesty are the other risk mitigators for loans.
764339
what kind of account?\n\neach bank/credit union is different and may have different rules and policies - so you will need to inquire directly with your bank.  ask for a schedule of fees & depositors agreement.\n\nhowever, there are federal rules set by the federal government, these are federal regulations, and there's quite a bit... to see them, click onto:\n\nhttp://www.federalreserve.gov/Regulations/
428121
Call the bank they have whole a dept. dedicated just to that. Bank of America is very helpful as are others
28154
I am not sure how the state laws of NY or NJ address the protection of IRA assets, but the new bankruptcy law enacted last year does provide ceratin protections on a national basis. the following excerpt is from "http://www.retirement-retirement.com/story-486.php"\n\n[Especially important to participants in employer-based retirement plans is that the bankruptcy act says that all assets rolled over from these plans into an IRA, and all subsequent earnings made inside the account attributable to the rollover, are protected from creditors, regardless of the amount of the rollover. That should remove much of the reluctance among investors to move most retirement plan assets into IRAs if they decide that's the best financial strategy. \nWhile IRAs have unlimited protection for certain rollover amounts, such is not the case for original (non-rollover) contributions by the owner to traditional and Roth IRAs. The bankruptcy act put a price tag on the "reasonably necessary" amount that might be protected in these IRAs ­ $1 million. That is, if the aggregated value of your original contributions and their earnings to traditional and Roth IRAs exceeds $1 million, the amount above $1 million (excluding any protected rollover amounts) could be vulnerable to creditors. That $1 million amount is indexed annually to inflation. \nMost investors building an IRA from scratch won't exceed the $1 million limit, since annual contribution limits to traditional and Roth IRAs have been relatively low for the past two decades. And the bankruptcy act allows bankruptcy courts to permit the IRA owner to keep more than $1 million if it is in the "interest of justice" (though the act did not spell out what constitutes an interest in justice). \n]
1137980
Savings Bank Life Insurance Company
506045
There are many agents offering such a service.\nTry http://www.cmshk.com/banking.shtml
37784
Money in a PayPal account isn't FDIC insured, so it'd be best to put money you're not currently using or plan to use by month's end into some type of savings account.
1129901
All states have different banks, at 17 I opened my first account with a bank called First Citizens and they were great to do business with.They have toll free numbers if you need help and you actually speak with someone that can help you.\n\nMy cousin just opened an account with Bank of America and he had saved a bit of money up,come yesterday he deposited his paycheck and we went out of town.When we got there he tried getting money from an atm and it said he only had .57 cents in his account.He tried calling customer service but only got an automated response which was no help at all.My brother also dealt with the same bank,and they allowed overdrafts and caused his account to be messed up because it would say the money was there but then say it wasn't.\n\nWorse bank I know of is Wachovia.My fiance had an account there,and it went very bitter.Same with my father,he would deposit money and go shopping two days later and then they would say he had no money in the account,and charge him fees.Same thing with a few more people I know.
162190
I have been using paypal for many years and have had alot of problems with them. They make their own rules since they are not with FDIC. They got sued a few years back for doing illegal things with peoples account, now they are much better. \n\nIn my eyes still a little shady, they will limit your account for weeks at a time if the slightest problem occurs. I have a business account so I have a different point of view with them. My personal account I have never had problems with.
547047
Yes, I have been using Ing Direct for years. It is totally safe and secure by FDIC. You can link more than one savings accounts from other banks but only drawback is you do not get an ATM/Debit Card for quick access. But transfers can be done in a day. So far havent had any problems. Hope this helps.
266060
Try one of the online banks, for example: www.allstatebank.com,   www.capitalonebank.com,   www.ing.com
137234
first obvious question is are u insured?
690269
Yes, I do. Your money is federally insured - FDIC up to a huge amount of money. Just balance your statements and you'll be fine. When you find a mistake, you call them on it. Usually, they put whatever amount of money is in question back into your account until they finish their investigating of what happened. If they are right, they take the money back out of your account. If the bank is wrong - which I have seen before - they send you a letter saying you were right! That's the best part! But they will send a letter either way.
977678
Yup.  Banks that have FDIC-insured accounts are closed today in observance of Veteran's Day.\n\nGood luck.
850760
ING is a sound and strong company. Your savings will be FDIC insured up to 100,000.  Now as to the question of should you put your life savings there.  No.  Not your entire life savings.  The roi will not be sufficient to keep you ahead of inflation after taxes.  Maybe 10 to 20% of you your life savings.  Invest the rest in investments that are likely to keep you ahead of inflation and taxes.  But diversify!
420086
To my knowledge it is someone that either only offers one carrier, such as Allstate, or State Farm. Or it may be someone that only offers one line of insurance, such as auto, home, or life insurance.