Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

I have more than $250,000 in a US Bank account… mistake?
Yes. Although I imagine the risk is small, you can remove the risk by splitting your money amongst multiple accounts at different banks so that none of the account totals exceed the FDIC Insurance limit. There are several banks or financial institutions that deposit money in multiple banks to double or triple the effective insurance limit (Fidelity has an account like this, for example)