All financial institutions that may, pursuant to law, accept deposits whose principal and interest are guaranteed and with uses designated by the financial institutions, including banks, Agricultural Bank of Taiwan, the Taiwan branches of foreign and mainland Chinese banks, credit cooperatives, credit departments of farmers' and fishermen's associations, and postal savings bank (Chunghwa Post Company), are required to participate in the deposit insurance system as insured institutions.
Accounts and products of securities firms, insurance companies, bills finance corporations and other financial institutions that do not accept deposits are not covered under the deposit insurance system.
Within insured institutions, not all deposits are covered by CDIC. The following chart lists all eligible and ineligible deposits:
Eligible and Ineligible Deposits
| Eligible Deposits |
Ineligible Deposits |
- Checking deposits
- Demand deposits
- Time deposits
- Deposits required by law to be deposited in certain financial institutions
- Other deposits which the Financial Supervisory Commission has approved as insurable
Eligible deposits include all deposits in NT dollars and foreign currency in Taiwan.
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- Negotiable certificates of deposit
- Deposits due to government agencies
- Deposits due to the Central Bank
- Deposits due to banks, postal savings bank (Chunghwa Post Company), credit cooperatives, Agricultural Bank of Taiwan and credit departments of farmers' and fishermen's associations
- Deposits exceeding the per-institution maximum coverage limit established for each depositor
- Other deposits that the Financial Supervisory Commission had approved as non-insurable (e.g. structured deposits)
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