FDIC insured, per account or per customer?

Question

When you have a CD with a bank, is the FDIC $100,000 insurance "per account" or is it per customer at that bank. I.e. when you have say $140,000 and you set up two accounts with the same bank, each with $70,000, is each of those two accounts FDIC insured to the full "$100,000 FDIC limit?

Answer 1

Per customer,  If you have more than $100,000 then put it in separate banks if you want it insured.

Answer 2

they only insure you up to 100,000 but they offer programs that will unsure you up to 50 million if you qualify  i was unaware of this until the bank i work for was seized by the fdic