If a Depositor has an Account in the Main Office of a Bank and also at a Branch Office, are these Accounts Separately Insured?

If a Depositor has an Account in the Main Office of a Bank and also at a Branch Office, are these Accounts Separately Insured?

No. The main office and all branches are considered to be one institution.

Therefore, the accounts would be added together and covered up to the maximum insured sum.