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What kind of bank deposits in the U.S. are insured against banks going under? What do I need to look out for to make sure my money is safe?

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The FDIC insures deposits up to $250,000 per depositor, per bank, for each ownership category. The ownership categories are:

  • Single Accounts
  • Certain Retirement Accounts
  • Joint Accounts
  • Revocable Trust Accounts
  • Irrevocable Trust Accounts
  • Accounts Employee Benefit Plan Accounts
  • Corporation/Partnership/Unincorporated Association Accounts
  • Government Accounts

You and a spouse could collectively have $750,000 of insured deposits at a single bank if you each had a single account, and a joint account together.

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  • This answer could be better if it elaborated on how to verify that your bank is FDIC insured.
    – sondra.kinsey
    Commented Apr 16, 2019 at 17:53
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Currently the FDIC insures deposits up to $250,000 per person per bank. The following products are covered if your bank is FDIC insured.

http://en.wikipedia.org/wiki/Federal_Deposit_Insurance_Corporation#FDIC-insured_products

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Bank and most Credit Union deposit accounts (including CDs) are guaranteed by the Federal government by the FDIC and NCUA, respectively.

Some state-chartered credit unions use private insurance, you'll want to be careful about storing lots of money in those institutions.

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