$100,000
This is sort of complicated. Per www.fdic.gov:"The basic insurance amount is $250,000 per depositor, per insured bank.
"The $250,000 amount applies to all depositors of an insured...
customer's deposits are advanced as loans or invested in marketable securities to earn profit for the bank. the rule of 'larger number' for banks hold that not all depositors will show up at one time...
The different means by which banks accept deposits are: As cash at their branches As checks at their branches As cash through their ATMs As checks through their ATMs As fund transfers from other banks