[dragonwriter]

> It's actually per bank, per type of account. So $250k in savings accounts, $250k in checking, $250 in Money Market, etc.

It's not per type of account, it's per ownership category. Ownership categories are:

(1) Single accounts

(2) Certain self-directed retirement accounts

(3) Joint accounts

(4) Revocable trust accounts

(5) Irrevocable trust accounts

(6) Employee benefit (non-self-directed) plan accounts

(7) Corporation, partnership, or unicorporated association account

(8) Government accounts

https://www.fdic.gov/deposit/covered/categories.html

With a little bit of work, you can probably spread your money into a few of those categories without much problem and have more than $250k coverage, but it's not as easy as just having checking and savings.