Per person, per bank, per account ownership category. https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/ https://www.fdic.gov/resourc

Per person, per bank, per account ownership category. https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/ https://www.fdic.gov/resources/deposit-insurance/brochures/i... If you had a single-owner account and a joint account, you would have $250K in insurance for each of those accounts.