Backpack Drive

Now through August 15th, donate to our Backpack Drive supporting Oasis — A Haven for Women and Children.

Backpack Drive

Now through August 15th, donate to our Backpack Drive supporting Oasis — A Haven for Women and Children.

FDIC Information

Your security is our priority
Find FDIC Information here


All types of deposits held by ConnectOne Bank are covered by FDIC insurance including:

  • Checking Accounts
  • Savings Accounts
  • Money Market Accounts
  • Certificates of Deposits
  • Individual Retirement Accounts


Basic Insurance:

Basic FDIC Insurance is $250,000 per depositor, per insured financial institution.

Coverage Over Basic Insurance:

The FDIC provides separate insurance coverage for deposit accounts held in different categories of ownership. It is possible to qualify for more than the current $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories. The ownership categories are (1) single; (2) joint; (3) revocable trust (informal revocable trusts such as "Payable-on-death" accounts and formal revocable trusts such as living/family trusts created for estate planning purposes); (4) irrevocable trusts; (5) certain retirement plans; (6) employee benefit plans; (7) business (corporation, partnership, unincorporated associations); and (8) government.

To calculate your FDIC insurance coverage, please visit

Coverage During a Merger:

If two federally insured banks merge causing your deposits to exceed the $250,000 limit at the combined institution, under the FDIC's rules you are in no immediate risk of having funds over the insurance limit. In general, the deposit accounts you had at the acquired institution will continue to be separately insured for six months following the merger and longer in the case of some Time Accounts (CDs). This six-month grace period allows you time to restructure your accounts so you can maximize your coverage at the new institution.


Examples of non-deposit investment products that are not covered by FDIC deposit insurance include:

Stocks, bonds, or other securities

Cash in trading accounts

Contents of a Safe Deposit Box (see below)

If you own ConnectOne Bancorp, Inc. stock, please be advised that investment products are not protected or insured by the FDIC or any other federal government agency. Stocks may lose value and are not a deposit of, or guaranteed by, the Bank or any Bank subsidiary.

The contents of safe deposit boxes are not insured by the FDIC. If you are concerned about the safety or replacement of items you have put in a safe deposit box, you may wish to consider purchasing fire and theft insurance. Separate insurance for these perils may be available; consult your insurance agent. Usually such insurance is part of a homeowner's or tenant's insurance policy for a residence and its contents. Again, consult your insurance agent for more information. In the event of a bank failure, in most cases an acquiring institution would take over the failed bank's offices, including locations with safe deposit boxes. If no acquirer can be found, the FDIC would send boxholders instructions for removing the contents of their boxes.


If you still have questions, please contact the FDIC toll-free at 1-877-ASK-FDIC (877-275-3342 ) from 8:00 am until 8:00 pm (Eastern Time) or contact them online at



Calculate your FDIC insurance coverage

A guide to what is and is not protected by FDIC insurance

FDIC's Consumer News:

* The information and content provided here about FDIC insurance is for informational purposes only and is provided as a convenience to you. ConnectOne Bank makes no warranties or representations as to its accuracy and bears no liability for your use of this information. ConnectOne Bank does not endorse and is not responsible for the content, links, privacy policy, or security policy of any non-Bank website link included here. The information being made available to you here is not intended, and should not be construed as legal, tax, or investment advice, or a legal opinion. You should contact your legal, tax and/or financial advisors to help answer questions about your specific situation or needs prior to taking any action based upon this information.

How can we help you?

Contact a ConnectOne Bank representative to learn more.

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit


You come first. We aren't like those other banks.

At ConnectOne Bank, we understand that little things matter and focus on those things when providing personal and business banking solutions for our clients.