If we're going to be pedantic, it's per institution per ownership category. So you could have: * individual account * revocable trust account * joint revoca

If we're going to be pedantic, it's per institution per ownership category. So you could have: * individual account * revocable trust account * joint revocable trust account * etc each with a separate $250k limit at the bank (and in the case of the trusts, the limit can be $250k per beneficiary of the trust).