Actually, if you have more than $100,000 in a bank account you should probably pull it out and spread it around over several banks because each bank is separately insured, so there's effectively no limit if you're just a little bit smart and move your accounts around.

如果你的银行存款远不止10万,你最好把多余的取出,分别存入几家银行,因为每家银行都是独立保险的,因此不存在担保额度,只要你聪明一点,把存款分别存入几家银行

耶鲁公开课 - 金融市场课程节选