Coverage cases

FDIC insurance is per depositor, per ownership category, per insured bank. Each case below runs through the coverage engine; the limit applies to each row on its own, never to a sum.

Joint account

Two co-founders hold a $600,000 joint account, and one of them also holds $200,000 alone. Each co-owner's share of the joint account is insured up to $250,000 in the joint category, separately from what they hold alone.

Reserved: not offered at launch. Personal categories wait on the commercial-first decision (docs/04 D5).

Depositor	Category	Bank	Held	Limit	Insured	Above limit
Rhea Castellan	Joint	Sponsor Bank A	$300,000	$250,000	$250,000	$50,000
Idris Vandermolen	Joint	Sponsor Bank A	$300,000	$250,000	$250,000	$50,000
Rhea Castellan	Single	Sponsor Bank A	$200,000	$250,000	$200,000	$0

Insured $700,000Above limits $100,000