For purposes of insurance, the FDIC aggregates deposit balances of each customer held in the same insurable capacity at a particular bank (e.g., individual, joint, IRA, corporate). If you have an outside account with one of the program banks, the funds in that account will also count towards your total eligible FDIC insurance at that particular bank ($250K for individual accounts, $500K for joint accounts). You can review the program bank list above to determine whether you have any outside funds at these banks.