The limit on FDIC-insured accounts in the U.S. has increased from $100 thousand to $250 thousand. There are several main reasons for that. One is simply inflation. More importantly though are two other reasons. Other nations increased their limits. Ireland removed the limit. This suddenly attracted billions to Ireland. The other reason is consolidation. The largest banks don't want customers spreading money into other banks. In smaller economic zones such as small towns, that can often mean local, independent banks and credit unions.
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