Depository Institutions
A depository institution is authorized to accept deposits and use them within a regulated banking or credit-union business, making funding, liquidity, and depositor protection central to its …
Depository-institution and non-member-bank terms used to verify deposit-taking authority, system membership, supervision, and account protection.
Depository Institutions explains the regulated entities that accept deposits or member shares and connect those liabilities to payments, lending, liquidity, and capital. Deposit-taking institution is included there as an alternative label rather than maintained as a duplicate page.
Federal Reserve Member Bank explains national-bank membership, optional state-bank membership, Reserve Bank stock, and the associated supervisory classification. Non-Member Banks covers state-chartered banks outside the System. Non-member status does not mean an institution is unchartered, uninsured, or unsupervised.
Verify the legal entity, charter, deposit-taking authority, primary supervisor, membership status, account provider, and insurer separately. A financial brand can include multiple affiliated entities with different permissions and protections.
This section provides general financial education, not legal, regulatory, banking, or deposit-insurance advice.
Choose a subsection first. Deeper term pages live inside each subsection, which keeps large topic hubs readable.
A depository institution is authorized to accept deposits and use them within a regulated banking or credit-union business, making funding, liquidity, and depositor protection central to its …
A Federal Reserve member bank is a national bank or approved state-chartered bank that belongs to the Federal Reserve System and holds Reserve Bank stock.
A non-member bank is not a member of the Federal Reserve System; in common U.S. usage, the term usually means a state-chartered bank whose primary federal supervisor is the FDIC.