If you have 4 different accounts in one bank and the total deposit is over $100k,are you still insured?

Question

If you have 4 different accounts in one bank and the total deposit is over $100k,are you still insured?

Answer 1

If you  have IRA's then  it's insured to $100,000 plus $150,000 for any retirement account

Answer 2

No, it is limited to $100k per person per bank.  

This is all over YA, if you want to confirm.  Or look at the FDIC website: www.fdic.gov