{"id":2621,"date":"2023-04-03T12:39:52","date_gmt":"2023-04-03T17:39:52","guid":{"rendered":"https:\/\/www.northshoretrust.com\/?p=2621"},"modified":"2023-11-06T09:16:09","modified_gmt":"2023-11-06T15:16:09","slug":"esta-seguro-el-dinero-de-mi-cuenta","status":"publish","type":"post","link":"https:\/\/www.northshoretrust.com\/es\/2023\/04\/03\/is-the-money-in-my-account-safe\/","title":{"rendered":"\u00bfEst\u00e1 seguro el dinero de mi cuenta?"},"content":{"rendered":"

<\/div><\/div><\/div><\/div>

\u00bfEST\u00c1 SEGURO EL DINERO DE MI CUENTA?<\/h1><\/div>
\n

Su dinero est\u00e1 protegido<\/h2>\n<\/div>\n

Hay dos organizaciones, ambas respaldadas por el gobierno de Estados Unidos, que aseguran su dinero en las entidades participantes. La\u00a0FDIC<\/a>\u00a0(Federal Deposit Insurance Corporation) proporciona cobertura a los bancos y a la\u00a0NCUA<\/a>\u00a0(Administraci\u00f3n Nacional de Cooperativas de Cr\u00e9dito) hace lo mismo con las cooperativas de cr\u00e9dito. Ambas organizaciones funcionan como redes de seguridad para sus dep\u00f3sitos.<\/p>\n

Estas instituciones protegen al menos $250k (y posiblemente mucho m\u00e1s, dependiendo del tipo de cuenta). Debido a esta protecci\u00f3n, los bancos y cooperativas de cr\u00e9dito asegurados y las cuentas cubiertas que hay en ellos son uno de los lugares m\u00e1s seguros en los que puede guardar su dinero. En otras palabras, es completamente seguro guardar su dinero en una instituci\u00f3n financiera donde est\u00e1 asegurado y protegido.<\/p>\n

Las cuentas protegidas incluyen cuentas corrientes y de ahorro, cuentas de dep\u00f3sito del mercado monetario, certificados de dep\u00f3sito, certificados de acciones, cuentas individuales de jubilaci\u00f3n (IRA) y mucho m\u00e1s. Casi todos los bancos y cooperativas de cr\u00e9dito ofrecen protecci\u00f3n de la FDIC o la NCUA a los titulares de sus cuentas. Puede comprobar si est\u00e1 cubierto visitando el sitio web de su entidad o llam\u00e1ndoles por tel\u00e9fono.<\/a><\/p>\n

\n

\u00bfCu\u00e1nto dinero est\u00e1 asegurado?<\/h2>\n<\/div>\n

La cobertura depende de la categor\u00eda en la que est\u00e9 incluida su cuenta. Si tiene una cuenta de ahorro y una cuenta corriente, ambas pertenecen a la categor\u00eda de cuenta de titular \u00fanico, por lo que estar\u00edan aseguradas por un total de $250.000. Pero si tuviera cuentas de distintos tipos -por ejemplo, una cuenta corriente y una cuenta IRA- cada cuenta estar\u00eda asegurada por $250.000, lo que significa que tendr\u00eda un total de $500.000 de protecci\u00f3n. Esto podr\u00eda ser m\u00e1s<\/p>\n

La gran mayor\u00eda de las entidades financieras y sus tipos de cuenta est\u00e1n cubiertos por estas dos organizaciones. Pero si le preocupa en absoluto saber si su entidad o su cuenta son seguras, consulte su sitio web, hable con uno de sus representantes o pase por una sucursal para confirmar que su cuenta est\u00e1 cubierta.<\/a><\/p>\n

\n

\u00bfEst\u00e1n aseguradas las cuentas fiduciarias y conjuntas?<\/h2>\n<\/div>\n

Las normas cambian un poco cuando se trata de cuentas conjuntas y fideicomisos. Las cuentas conjuntas est\u00e1n protegidas por $250.000 por titular. Por tanto, si tiene una cuenta conjunta con su c\u00f3nyuge, estar\u00eda asegurada por un total de $500.000. Las cuentas fiduciarias suelen estar aseguradas por $250.000 por beneficiario. Es decir, si en el fideicomiso figuran tres beneficiarios, la cuenta estar\u00eda asegurada hasta 1.450.000 PTP. En otras palabras, s\u00f3lo est\u00e1n protegidos los beneficiarios de un fideicomiso, no su propietario.<\/a><\/p>\n

\n

\u00bfC\u00f3mo puedo proteger todo mi dinero?<\/h2>\n<\/div>\n

Los seguros de la FDIC y la NCUA son muy espec\u00edficos. Si desea obtener m\u00e1s informaci\u00f3n sobre su situaci\u00f3n y averiguar cu\u00e1l es la mejor manera de asegurarse de que todo su dinero est\u00e1 protegido, puede hablar con su banco o cooperativa de cr\u00e9dito o consultar los sitios web de la\u00a0FDIC<\/a>\u00a0o\u00a0NCUA<\/a>.<\/p>\n

Descargo de responsabilidad: Aunque esperamos que este contenido le resulte \u00fatil, s\u00f3lo pretende servir como punto de partida. El siguiente paso es hablar con un profesional cualificado y autorizado que pueda ofrecerle asesoramiento adaptado a sus circunstancias particulares. Nada de lo contenido en este art\u00edculo, ni en ninguno de los recursos asociados, debe interpretarse como asesoramiento financiero o jur\u00eddico. Adem\u00e1s, aunque hemos hecho esfuerzos de buena fe para asegurar que la informaci\u00f3n presentada era correcta en la fecha en que se prepar\u00f3 el contenido, no podemos garantizar que siga siendo exacta en la actualidad. Ni Banzai ni sus socios patrocinadores garantizan la exactitud, aplicabilidad, integridad o idoneidad para un fin determinado de la informaci\u00f3n aqu\u00ed contenida. Banzai y sus socios patrocinadores renuncian expresamente a cualquier responsabilidad derivada del uso o mal uso de estos materiales y, al visitar este sitio, usted acepta liberar a Banzai y a sus socios patrocinadores de cualquier responsabilidad de este tipo. No conf\u00ede en la informaci\u00f3n proporcionada en este contenido a la hora de tomar decisiones sobre asuntos financieros o legales sin consultar primero con un profesional cualificado y autorizado.<\/h6>\n<\/div>
<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"

Respuesta corta: S\u00ed. Con la NCUA y la FDIC, puede estar seguro de que su dinero est\u00e1 protegido.<\/p>","protected":false},"author":1,"featured_media":4527,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[11],"tags":[],"class_list":["post-2621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting"],"yoast_head":"\nIs the Money in My Account Safe? - North Shore Trust and Savings<\/title>\n<meta name=\"description\" content=\"Short answer: Yes! 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