The standard maximum deposit insurance amount is described as the âSMDIAâ in FDIC regulations. The SMDIA is $250,000 per depositor, per insured bank, through December 31, 2013. On January 1, 2014, the SMDIA is scheduled to return to $100,000 per depositor, per insured bank, for all account ownership categories except Certain Retirement Accounts, which will remain at $250,000 permanently per depositor, per insured bank. I can understand raising the limit, but why lower it. And that leads to the question, why the temporary raise? Do you think they will stick with the 2014 revert back date or just leave it as is?