Each depositor at Winchester Co-operative Bank is insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000. All deposits above this amount are covered by the Depositors Insurance Fund (DIF). There are no maximum account limitations or amount limitations. Since the DIF began insuring deposits in 1934, no depositor has ever lost a penny in a bank insured by both the FDIC and DIF. Click here for Frequently Asked Questions and Answers from the Depositors Insurance Fund.