Since the Great Depression, the Bank of Bramblewood Has the FDIC

Since the Great Depression, the Bank of Bramblewood has the FDIC designation. What does this mean?

A) The bank is a member of a consortium of banks that can pool funds to make loans too big for any single bank to finance.
B) The bank gives preference to veterans.
C) The depositors of the bank are also its owners.
D) Individual accounts at the bank are insured by an independent agency of the federal government.