It occurred to me recently that it there could be an issue when a municipality and its public trust both have deposits with the same institution that exceed the $250K insurance limit. What concerns me is that I think many of our public trusts, in smaller municipalities especially, would not technically meet the test to qualify as an entity separate from the beneficiary. I reviewed this on the FDIC's website and it allays my fears to some extent. But I sure would like to have a definitive answer to this question. Deposit Insurance for Accounts Held by Government Depositors | FDIC.gov<https://www.fdic.gov/resources/deposit-insurance/accounts-government-depositors> Do any of you share my concerns? Or - even better - can you assure me they are unfounded? Thank you! Kim Spady