The Federal Deposit Insurance Corporation (FDIC) provides insurance coverage to bank depositors up to $250,000. Below are videos from the FDIC.
FDIC video above: Deposit Insurance Coverage Overview - Duration 3:27.
The FDIC video above explains various types of Personal Accounts and FDIC coverage limits. Duration 3:17.
You are always welcome to call or come in and speak to a Customer Service Representative to discuss your individual situation.
There are many other resources available at the FDIC website.