Deposits held in a current, savings or time account that are owned by an individual and deposited in one or more deposit accounts in a member bank in his or her name only. These account balances, where held in the same member bank, are added together and insured up to the maximum deposit insurance coverage limit of $100,000.
| Name of Account Holder at Bank | Type of Account | Amount (US$) | Insured (US$) | Uninsured (US$) |
| Joan | Individual (Checking) | 25,000 | ||
| Joan | Individual (Savings) | 20,000 | ||
| Joan | Individual (Time) | 80,000 | ||
| Total | 125,000 | 100,000 | 25,000 |
VIDIC’s deposit insurance protection would be $100,000 in total for each member bank where Joan’s holds deposits:
For the payment of deposit insurance all three accounts less any loans and outstanding amounts, will be added together and insured up to the maximum of $100,000. If Joan held more deposits also at another member bank, in addition to this one illustrated, her deposits there will be insured up to another maximum of $100,000.