[danielkomen]

Since I am an idiot who is going to lose money in this situation.

It is $100,000 per person per bank (not per account). But if you have a joint account with your wife, that counts as a 2nd person. A business account a third person. But that still means you need to have $100,000 in each account. I think if you had 3 separate entity but had $300,000 in one account for one of these you could lose the $200,000.

Your bank will never tell you this but I think you can see if they are going to fail by just doing some diligence. Netbank had great customer service but I guess everything else was terrible. The stock tanked this past april under a $1 and the bonds were given a horrible rating for years. The bank or FDIC will never tell you this because this would cause a bank run but in the future I'll double check how sound my bank is. I guess at least add the stock code of your bank to stocks you watch.