I just wonder if you can open multiple accounts to get that rate in all of them...

e.g. for the FDIC insurance (unless they changed the rules since the '80s), you get it for an account for yourself, and separate for you (primary name) + spouse, and separate for you + child 1, and separate for you + child 2, but not separate for spouse (primary name) + you since that's the same as you and spouse. That would insure you up to $400,000. But gosh, what will I do with my other $1.6 million?