The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
https://www.fdic.gov/resources/deposit-insurance/diguidebankers/general-principles/index.html?
There are 14 FDIC deposit insurance ownership categories:
- Single accounts — 12 C.F.R. § 330.6
- Joint accounts — 12 C.F.R. § 330.9
- Revocable trust accounts — 12 C.F.R. § 330.10
- Irrevocable trust accounts — 12 C.F.R. § 330.13
- Certain retirement accounts — 12 C.F.R. § 330.14(b)(2)
- Employee benefit plan accounts — 12 C.F.R. § 330.14
- Business/Organization accounts — 12 C.F.R. § 330.11
- Government accounts (public unit accounts) — 12 C.F.R. § 330.15
- Mortgage servicing accounts for principal and interest payments — 12 C.F.R. § 330.7(d)
- Accounts held by a depository institution as the trustee of an irrevocable trust — 12 C.F.R. § 330.12
- Annuity contract accounts — 12 C.F.R. § 330.8
- Public bond accounts — 12 C.F.R. § 330.15(c)
- Custodian accounts for Native Americans — 12 C.F.R. § 330.7(e)
- Accounts deposited by an IDI pursuant to the Bank Deposit Financial Assistance Program of the Department of Energy — 12 U.S.C. § 1817 (i)(3)
