IIRC, that's not how the FDIC capping works. It's a unique((account_owner, account_type)) operation, not just by total number of accounts. The "account_owner" c

IIRC, that's not how the FDIC capping works. It's a unique((account_owner, account_type)) operation, not just by total number of accounts. The "account_owner" can get a little creative, but by and large, just splitting accounts won't work.