May 20, 2009: President Obama signed into law a critical deposit insurance bill that extends the current $250,000 FDIC insurance coverage through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor. This supersedes the October 3, 2008 changes which extended coverage through 2009.