[johntb86]

It's $250k per per depositor, per insured bank, for each account ownership category. So if you'd need to move your CD, savings, checking, etc. into separate ownership categories (e.g. one held in a single account, another held in a joint account, another held in a revocable trust) for that to work.

[HWR_14]

Ah, I missed the nuance. I knew that it was possible to duplicate coverage and misunderstood how.