[rolling_stone]

https://edie.fdic.gov/index.html

banks fdic

https://mycreditunion.gov/insurance-estimator

credit unions ncua

better check for increased insurance for beneficiaries, i dont see it

[FreeReign]

Check the link and scroll down to the Revocable Trust Accounts section.

Looks like you do get more coverage for beneficiaries.

FDIC Link

[crusty old prospector]

Here is the spouse part.

Coverage Limit: Each co-owner's shares of every joint account at the same insured bank are added together and insured up to $250,000.

[crusty old prospector]

From a website.

Making a "payable on death" designation can increase your FDIC-insured coverage limit to $1.25 million; this is up from the standard $250,000.