We spoke to FDIC this morning, but are just more confused than ever. On a trust account, my understanding is it is insured $100,000 per beneficiary. Our customer's trust account totals $210,000 with the husband/co-trustee on the account deceased years ago. The trust was never re-done. There is one beneficiary on the trust agreement. We also have a POD account on the wife with the same beneficiary as the trust agreement. The beneficiary is not a relative, but I don't believe as of Friday that matters. That account has a $20,000 balance. We were told by the first person we talked to at FDIC that all accounts were covered. ($200,000 on the Trust and $200,000 on the POD account). Our employee called right back and got someone else, and they told her something different. They made it sound like the trust still being in the husband's name as co-trustee made a difference. I may have to call them back myself, but does anybody have an answer or opinion? Thanks.