FDIC Coverage Comparison Tool

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Inspired by a conversation on:

Money Girl

FDIC and SIPC Rules–How Much Money Do They Protect?

Host: Laura Adams

Timestamp: 00:06:15 - 00:06:44

Listen to Episode • View Podcast • All Ideas from Money Girl

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Direct Quote

"It's wise to spread out your money when you exceed the limit for an account type."

Summary

An FDIC Coverage Comparison Tool could be developed as a digital platform that helps users understand and maximize their FDIC insurance limits based on their account types and amounts. This tool would allow users to input their various account types (single, joint, trust, etc.) and amounts, and it would calculate the total insurance coverage they can achieve across different banks. This solves the problem of confusion around FDIC limits and helps users strategically manage their deposits to ensure maximum coverage. Target audiences include everyday bank customers, financial advisors, and even small business owners who need to manage their cash flow effectively. The platform could feature educational content about FDIC insurance, as well as innovative calculators and visual aids to simplify understanding. Potential tactics for implementation could include partnerships with financial institutions for accurate data and user engagement strategies to drive traffic to the platform.

Categorization

Business Model

SaaS

Target Founder

Generalist

Difficulty

Medium

Time to Revenue

3-6 months

Initial Investment

< $1,000

Scores

Clarity

8/10

Novelty

7/10

Feasibility

6/10

Market Potential

8/10

Evidence

6/10

Overall

7/10

Found on August 28, 2025 • Analyzed on August 28, 2025 4:30 PM

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Technical Strategy:

Start with no-code tools for rapid prototyping
Consider your technical background and available < $1,000
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