No. of Recommendations: 3
No reason to guess, just go to FDIC and use 'EDIE' (Electronic Deposit Insurance Estimator):

Btw, my understanding is that the limit *is* per bank, per registration. Meaning if person A has $100K in several different account types (savings, CDs, etc) its insured to only $100K.

But if there are different accounts that are registered to Person A & Person B, then they gets its own limit of, I believe, $200K.

But run through the calculator above and see.
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