FDIC insurance is generally on a per-bank basis. You could have multiple accounts across banks each up to $250k. Generally though there's things like Brokerage

FDIC insurance is generally on a per-bank basis. You could have multiple accounts across banks each up to $250k. Generally though there's things like Brokerage Accounts etc which offer higher levels of insurance (SIPC) and easy mechanisms to spread monies across several banks and account services (CDARS for CDs and MMAX for money market accounts). At that point hopefully you have someone managing your money wisely to help navigate these kinds of things.