所有夫妻联名账户加起来保50万。 The balance of a joint account can exceed $250,000 and still be fully insured. For example, if the same two co-owners jointly own both a $350,000 CD and a $150,000 savings account at the same insured bank, the two accounts would be added together and insured up to $500,000, providing up to $250,000 in insurance coverage for each co-owner. This example assumes that the two co-owners have no other joint accounts at the bank. https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/
我没有买marcus，我买的t-bills， 13，17，26周，利率是4.6+，4.7+，4.8+。利息好像更好，还不交州税。当然还是没有活期灵活。
good point还真有可能 我打算先不要买tbiil
可以直接在这里买：https://www.treasurydirect.gov/
也可以通过broker买，fidelity，Charles Schwab， TD Ameritrade, etc. 都可以买。
这是最近的利息情况： https://www.treasurydirect.gov/auctions/upcoming/
会有什么影响？我买了不少tbills，国债应该没事吧
如果到达上限，而且国会不同意增加，treasury 就不能再发行国债了。现在计划1/26 要发行13，26，52周的三种。如果国会不同意增加，那财政部就不能发行了。拭目以待。
一个定期，一个活期，不能简单比较吧。
不过我看不惯它们拉人的做法，本站的理财2版快要成Marcus专版了
能危及国债的只有上帝和解放军。
treasurydirect
谢谢
怎么买？
每个ownership类别的账户保25万，比如个人名下非退休账户的checking，saving，CD，money market deposit account或者还有从fidelity买的这个银行的brokeraged CD等等加起来保25万，如果你在那个银行有ira账户，那些另外保25万。如果你们夫妻有联名的账户，那它们加起来又是另外保25万。
如果你在实体银行里有账户，在它办的网上银行里也有账户，那保25万时得加起来算而不是各算各的。
https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/
所有夫妻联名账户加起来保50万。 The balance of a joint account can exceed $250,000 and still be fully insured. For example, if the same two co-owners jointly own both a $350,000 CD and a $150,000 savings account at the same insured bank, the two accounts would be added together and insured up to $500,000, providing up to $250,000 in insurance coverage for each co-owner. This example assumes that the two co-owners have no other joint accounts at the bank. https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/
t bill没限额。
有限额的是i bond。