Help please! I've been looking all through EDIE and I can't find this - but I believe they are covered more than $250,000. How does FDIC insurance coverage work for title company deposits accounts that are for escrow? the Title Company Deposit Account is Titled as Escrow Account and kept separately from their operating account. In looking at the discussion there on fiduciary accounts, it would seem these fall into that category, and even though the title companies customers aren't listed, the account is titled escrow, so it would be insured up to $250,000 for each person whose escrow funds are in the account (and title company would have to have the agreement showing that)?

Read 330.5(b)(1) and (2): https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-330/section-330.5

Based on the records of the title company, each person with funds in the account are separately insured.