The Federal Deposit Insurance Corporation (FDIC) provides insurance coverage to bank depositors up to $250,000.   Below are videos from the FDIC.
Image from the FDIC website used as a "click on" image here.  If you click the image you will be directed to the FDIC Youtube website to hear and view the video from FDIC regarding Deposit Insurance Coverage.
FDIC video above: Deposit Insurance Coverage Overview - Duration 3:27.
Image from FDIC website showing 3 of many types of deposit accounts.  You may click on this image to be directed to the FDIC website to hear and view the video provided by the FDIC.
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.