FDIC brochure. Notice the 3.5 Million reference.

I will entertain you as you are no longer looking for help or advice but can't accept that you have not grasped this.

Pasted directly form the FDIC site.

https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/
The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.
The FDIC insures deposits that a person holds in one insured bank separately from any deposits that the person owns in another separately chartered insured bank. For example, if a person has a certificate of deposit at Bank A and has a certificate of deposit at Bank B, the amounts would each be insured separately up to $250,000. Funds deposited in separate branches of the same insured bank are not separately insured.

The FDIC provides separate insurance coverage for funds depositors may have in different categories of legal ownership. The FDIC refers to these different categories as "ownership categories." This means that a bank customer who has multiple accounts may qualify for more than $250,000 in insurance coverage if the customer's funds are deposited in different ownership categories and the requirements for each ownership category are met.

https://www.fdic.gov/resources/deposit-insurance/financial-products-insured/
FDIC Ownership Categories
The amount of FDIC insurance coverage you may be entitled to, depends on the FDIC ownership category. This generally means the manner in which you hold your funds at the bank

Below are examples of some FDIC ownership categories, including single accounts, certain retirement accounts and employee benefit plan accounts, joint accounts, trust accounts, business accounts as well as government accounts.

Single Account
Certain Retirement Accounts
Joint Account
Revocable Trust Account
Irrevocable Trust Account
Employee Benefit Plan Account
Corporation, Partnership, or Unincorporated Association Account
Government Account

Each account is not covered for 250K. Each category is covered for 250K. Apples and Oranges.

Yes!! You can have 8 $250K accounts at one bank and all are covered. You can have 2 $250K accounts in one bank and one of them could not be covered. Ownership in each category!! The type (chkg/svgs/Cd) is not important. The category, as listed by the FDIC, is what matters. I listed those 8 above.

The only caution is don't let the term beneficiary throw you when you are trying to determine how many categories of accounts you possess. Checking/savings/CDs usually do not have beneficiaries. They may be TOD/POD. Even upon death the co-owner of a joint account is not a beneficiary - they become sole owner because of the death as they already possessed ownership rights. (If held as recommended with right of survivorship as opposed to tenant in common). The beneficiary term comes into play with IRAs/ pensions/ trusts/ life insurance. The beneficiary has no legal ownership/control until you pass. So when you read the FDIC categories and see the term beneficiary it is a legal status denoting standing and will not apply to checking/savings/CDs. I don't want anyone to think their spouse is a beneficiary of an account and therefore it might be in the trust beneficiary category.

Yes. The FDIC recognizes 8 categories of accounts. Each category is insured up to 250K. A lot of people have 3 categories. If you own a business you likely have a 4th. If you are the beneficiary of trusts you may have 5 or 6. It is not a finite amount of just 500 or 1 million.

Most people only have 3 of the categories, Single, Joint and IRA. The Trustee is in charge of the 2 types of trusts and the employee benefit account - but it is your money at risk. You may not know where that money is banked.

So the easy method is take a sheet of paper. Make 3 columns. Write Single, Joint, IRA on top of each. Make a copy for every bank you have accounts with.
Write in the balance of each account based on the ownership title (Single,Joint(use 50% of total),IRA).

Wife does her own sheets. Any joint account is deemed owned 50/50 so you cannot take 400 and the wife 100 of a joint account.
Each column has 250K coverage per bank. For each bank see if any COLUMN is over 250K. You have exposure for those that are.

If you own a business entity (corp/pship) it gets 250K coverage.

That is simply wrong.

Single account 250K
Co owner of joint account 250K
IRA 250K
Beneficiary of Revoc Trust 250K
Corporate,Pship account 250K
Beneficiary of Irrev Trust 250K
Employee Benefit Plan participant 250K
Government account 250K

Eight categories of coverage 2 million.
The only splitting hair issue is that you don't own the govt account - but if you are the Mayor etc responsible for it you better make sure the money is safe.

And I actually mispoke. 2 people with one of each category would have 4 million in coverage.

Those 3 are all in the same category. One coverage.

"2 people on one checking and one savings account would be $1M for the 2 accounts"

Checking and savings are in the same category. One coverage. There are 8 categories. You are confusing types of accounts with categories. Joint couple with accounts in all 8 categories could have $2M coverage.

When younger they climb trees frequently because they can. Very common in Africa to see the mammals taking a higher position to improve their sight lines. Most common high point are the termite mounds. The leopards generally tree their kill. The lions really don't need to as they are dominant. Unless alone and outnumbered by Hyenas.

Surprising! Always remarkable when you keep your mind open and under the premise of seeing someone in the light of professionalism watch them perform. The man has a remarkable ability - and 3/4 through you can see his normal style come out as the more guttural intensity prevalent in metal. The wife occasionally coerces me to see one of "her" preferred musical acts and I am often surprised then too. A pro is a pro for a reason. They have the versatility and capability - they may have just chosen a genre that isn't your style. Of course I am still waiting to see a group of rappers be able to sing a Four Tops medley with harmony.

It is a neat place to see. When the ice forms in the fall the bears are airlifted out onto the ice and released. Airlifted using a net and a helicopter. They tag them and put an identifying paint spot on their back to mark a "released inmate" (my term). We watched one come in from off the ice with an identifying green paint splotch on its back. We
thought it would get in a fight with a male already on land. Maybe get some nice sparring photos. Remarkably when he got in they behaved like they were siblings and just walked off together.

Darned if it's not !

Very nice work. Sharp and good DOF.

Split bill grabs things like snails in its beak. Somewhere I have some shots of one doing just that. One of the odder looking beaks as you noted.