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notyourday

> Per account.

Per account "type" and structure. For DDAs if you are married it will be:

You: $250k

Your+your wife: $250k

You POD your wife : $250k

Your wife: $250k

Your wife POD you: $250k

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What's POD in this context?

Payable on Death...

What @htrp said - payable on death.

DDAs?

Demand Deposit Account - the kind of account that allows for cleared funds to be withdrawn without advanced notice. Probably 99.999% of accounts such as checking and savings one can write checks/do ACH payments/send wires/transfer money from fall into this category.

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