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by cduzz
1190 days ago
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I'd give those other banks a call and ask. Also, per FDIC rules, the 250k is per party attached to the account, so at least for a married couple it seems to be $500k per account. But hey, I'm sure it'll all be fine and we won't need to worry about the fine print. |
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Its per owner per account class, but what constitutes an owner varies by account class, and, IIRC, many class by definition have a single owner.
But, yeah, you can double your coverage in simple directly-owned accounts as a married couple by splitting funds between maxed out single accounts ($250K) for each party and a maxed out joint account ($500K) for a total of $1M in coverage, because single and joint accounts are separate categories.