text: Only banks chartered before 1932 are not required to be FDIC insured.  There are less than a dozen of them.  FDIC insuranc guarantees that you will get back up to $100,000 worth of principal in the event of bank failure and that is guaranteed by the full faith and credit of the United States.  On the other hand, I cannot imagine the circumstance where Chase would fail in the next five years, so it probably does not matter.\n\nAs a note, Chase is FDIC insured for deposits and I am sure CapitalOne is too.