My parents had multiple accounts in the same bank: my father alone, my mother alone, joint account, father with me, mother with my sister. Their attorney and the bank president (friend of my father) said this kept all the accounts FDIC insured. Personally, I'd go to the mutual fund money markets and not worry about FDIC insurance. No way is Fidelity going to let their money market fund "break the buck". Or Vanguard, T.Rowe Price, or on and on. Chris
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