On October 3, Congress raised the basic FDIC coverage on bank accounts $250,000 per depositor per institution. But - this $250,000 insurance limit reverts to $100,000 after Dec. 31, 2009. Although the FDIC knew that 10,000 IndyMac depositors exceed limits and many more will now, they still have not imposed any "requirement to inform depositors when their accounts go 'over'" on member banks. Even if you take out a $250,000 15 month CD now, you are not covered for more than $100,000 beyond 12-31-2009. The FDIC can easily require member banks to inform depositors when accounts go over. The technology exists to do this easily. (www.fdicbusinessalert.com)