I don't know why I'm getting a kick out of this, but FDIC insured was always just fast lawyer speak at the end of banking commercial.  I don't think anyone ever considered whether or not their account is/was insured before opening an account somewhere.  Fortunately, I think you'd have to go out of your way to open a non-FDIC savings or checking account at any bank.  But what's truly comical is that now FDIC is coming up in normal conversation.  When was the last time you and your loved ones talked about FDIC?  Do we have it?  What is the max insurable amount?  What do we have at risk and where?  And I've even heard a story of a little old lady who has withdrawn her entire life savings out of a big bank here in Atlanta.

Just so you don't have to look it up, the FDIC insures $100,000.  To basically insure more than that, you need to open multiple accounts.

I once said if I had to run around town opening up bank accounts to make sure all of my funds were FDIC insured, what a wonderful time that would be.