"The basic insurance amount is $100,000 per depositor per insured bank."
Unless your accounts fall into multiple categories, you'd need to spread your 100k+ over a number of banks in order to be protected in it all. Although, this makes me wonder what happens if you have accounts at bank A and bank B, and then bank B buys bank A, how are you insured then? More information at fdic.gov.
Quittel had both a business checking and business savings accounts at the bank, but because each held less than the $100,000 limit guaranteed by the Federal Deposit Insurance Corp., she figured she would be OK. But because the two accounts together totaled more than $100,000 and shared a single taxpayer ID [...] she lost half of everything she had over the $100,000 limit.
http://www.fdic.gov/deposit/deposits/insuringdeposits/
"The basic insurance amount is $100,000 per depositor per insured bank."
Unless your accounts fall into multiple categories, you'd need to spread your 100k+ over a number of banks in order to be protected in it all. Although, this makes me wonder what happens if you have accounts at bank A and bank B, and then bank B buys bank A, how are you insured then? More information at fdic.gov.