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This is from the FDIC website. Is the church incorporated?

Ownership Categories
Corporation/Partnership/Unincorporated Association Accounts

Deposits owned by corporations, partnerships, and unincorporated associations, including for-profit and not-for-profit organizations, are insured under the same ownership category. Such deposits are insured separately from the personal deposits of the organization’s owners, stockholders, partners or members.

To qualify for insurance coverage under this ownership category, a corporation, partnership or unincorporated association must be engaged in an “independent activity,” meaning that the entity is operated primarily for some purpose other than to increase deposit insurance coverage.

All deposits owned by a corporation, partnership, or unincorporated association at the same bank are combined and insured up to $250,000.

I found this FAQ at the Ziegler Wealth management website.

Q. Is there anyone who is excluded from SIPC protection?

A. Most investors are eligible for SIPC assistance. However, SIPC’s funds may not be used to pay claims of any failed securities firm for investors who are:
A general partner, officer, or director of the firm
The beneficial owner of 5% or more of any class of equity security of the firm (other than certain nonconvertible preferred stocks)
A limited partner with a participation of 5% or more in the net assets or net profits of the failed firm
Someone with the power to exercise a controlling influence over the management or policies of the firm
A broker or dealer or bank acting for itself rather than for its own clients

I have to wonder about terms like "most investors" and "covered accounts". That seems to imply that there are exceptions to the coverage. I hope you are able to find the docs again.
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