I am sure you all know this but just a reminder. FDIC insured accounts are 100k. If you want to pump up your coverage at no cost you have some alternatives…
You get another 100k insurance if the account is a joint account… so add your wife or husband.
You get another 50k PER beneficiary. Beneficiaries can be your parents, your kids, and other family members.
This can save you alot of wear and tear of slicing, dicing and moving money all over the place.