Worried about your savings? Here's how to check if they're insured

Nervous depositors helped trigger last month's failure of Columbian Bank and Trust Co. It has spurred other banks' customers into action.

They're double-checking that their accounts are fully covered by the Federal Deposit Insurance Corp. They're looking up bank ratings online.

They're seeking comfort and, with a little work, they should be able to find it.

The FDIC reached out this summer to depositors with a stay-calm advertising campaign that promotes its 75th anniversary and urges consumers to "Rest assured. It's insured."

Ads direct consumers to a toll-free help line at 1-877-275-3342 and its Web site, The online site includes a calculator called EDIE, or Electronic Deposit Insurance Estimator, which tests whether a depositor's accounts meet the agency's rules for coverage.

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