What bank will insure $100 million dollars?
No individual bank insures $100 million under a single standard FDIC account profile, because federal deposit insurance caps standard coverage at $250,000 per depositor per institution. However, major commercial banks and fintech cash management platforms utilize reciprocal deposit sweep networks—such as IntraFi's ICS and CDARS programs or automated multi-bank networks—to automatically distribute large cash balances across dozens of distinct insured partner banks, safely extending total FDIC insurance protection well past $100 million.
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There is no single legal limit to how much money a bank account can hold; however, keeping excessive amounts in a single account is generally not recommended due to low returns.