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How FDIC Insurance Protects Your Bank Deposits? | Ask Ralph Podcast
In this episode of the Ask Ralph Podcast, host Ralph Estep Jr. discusses the crucial role of FDIC insurance in protecting depositors' money in the event of bank failures. He explains that while bank failures are rare, they do occur and can leave depositors vulnerable to losing their savings. However, he reassures listeners that the FDIC was created to maintain stability and public confidence in the banking system, covering deposits up to $250,000 per depositor, per bank. The episode addresses concerns for those with larger balances and online banking, emphasizing the importance of verifying coverage and maintaining records.
https://www.askralphpodcast.com/
00:00 Episode Overview
03:22 Bible Verse
04:18 What is FDIC Insurance and how does it work?
04:48 Bank Failures and the Role of the FDIC
06:16 FDIC Protection for Depositors During Bank Failures
07:16 FDIC Coverage for Online Banks
08:14 Ensuring Coverage for Deposits Over $250,000
09:07 Actionable Steps for FDIC Insurance Coverage
10:28 Final Thoughts
10:47 Outro
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