The FDIC is funded by insurance premiums that banks pay that are then invested an generate returns.
Thus it comes out of the returns the bank generates using your money to invest, and then also from the returns the FDIC generates investing the premiums.
In the case of a black swan event, the US Gov might have to step in to increase funding, but that is not how the FDIC normally operates.
Thus it comes out of the returns the bank generates using your money to invest, and then also from the returns the FDIC generates investing the premiums.
In the case of a black swan event, the US Gov might have to step in to increase funding, but that is not how the FDIC normally operates.