不对，如果你有 single and joint 账户，在一家银行的 FDIC 保险可以超过 25 万。

https://www.kiplinger.com/article/saving/t005-c050-s002-pushing-the-fdic-250-000-limit.html#:~:text=If%20you%20and%20your%20spouse%20or%20significant%20other,for%20a%20total%20of%20up%20to%20%241%20million