The Federal Deposit Insurance Corporation (FDIC) insures each depositor (by using your tax ID number in most cases) up to $100,000 of coverage.  Additional coverage can be obtained by structuring accounts with a spouse - or a few other ways.  

The FDIC has their own website at www.fdic.gov with tons of information if you want to go straight to the source.  You may also contact one of our new accounts people through our new accounts page, or call a real person to help you sort through the rules.

The main thing you need to know is that your money is safe even if something really bad happened to a Bank with FDIC insurance - again within their limits.