> ## Documentation Index
> Fetch the complete documentation index at: https://getlemma.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# FDIC insurance

> How Lemma accounts are FDIC-insured through Core Bank and IntraFi, and how to confirm coverage.

Lemma is not a bank. Banking services are provided by [Core Bank](https://corebank.com), Member FDIC, our banking partner. Every dollar you hold in a Lemma account sits at Core Bank.

## How your deposits are insured

The standard FDIC insurance limit is \$250,000 per depositor, per insured bank, per ownership category. Lemma extends coverage well beyond that limit through the [IntraFi](https://www.intrafi.com) network:

* Up to **\$250,000** stays at Core Bank and is directly FDIC-insured.
* Balances above **\$250,000** are insured through the IntraFi network, which spreads the excess across other Member FDIC banks so each portion sits below the per-bank insurance limit.
* Every account is covered for up to **\$10M** in FDIC insurance in total.

Your money never leaves the FDIC-insured banking system, and you continue to work with a single Lemma account regardless of how balances are distributed behind the scenes.

## Confirming coverage

Two independent sources can confirm how your deposits are held.

### Core Bank

We're happy to put you in touch with Core Bank directly to confirm our practices, including how Lemma accounts are custodied and how IntraFi enrollment works. Email [contact@getlemma.com](mailto:contact@getlemma.com) and we'll make the introduction.

### IntraFi

IntraFi issues a confirmation letter directly to the depositor once an account is open and enrolled in the IntraFi network. IntraFi does not issue confirmations before that point.