Per person per account type. Joint accounts are covered at 500k When a revocable trust owner names five or fewer beneficiaries, the owner's trust deposits are

Per person per account type. Joint accounts are covered at 500k When a revocable trust owner names five or fewer beneficiaries, the owner's trust deposits are insured up to $250,000 for each unique beneficiary So 4 people = $1m https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/ https://www.fdic.gov/resources/deposit-insurance/brochures/i...