After reading the new account inwert in his moty statement Tony Mercadinte determined that the FDIC considers a joint account as a separate depositor He and his wife, Cynthia, have three accounts at ABC Bank & Trust on joint account with a balance of $45.167 and two individual accounts-his hos a $140.886 balance, and hers has a $254 215 balonce. What amount FDIC coveredo Tony and Cynthia have on the account? What amount of FDIC coverage do Tony and Cynthia have on their account? (Select the best answer below) O A Tony's account balance of $140.886 is completely covered as is their joint account of 545,167, both accounts are under the $250,000 FDIC imit. Cynthia's account is over the Insurance limit by 54215. u the money would be covered it she moved some into the joint account or into another institution OB. Tony's account balance of $140.886 is completely covered as is their joint account of 545,167: bom accounts are under the $250.000 FDIC int Cynthia's account is over the insurance Imit by 54 215, but is fuby insured because they only have $45,167 in their ont account OC. Tony and Cynthia have a total of 440.268 in this instrution Each inton is insured up to $250,000, they are over the insurance it by $190.268 and should move money into other institutions OD. Tony's account balance of $140.886 is not covered and other is the joint sccount of $45,167. This is because Cynthi's account balance of $254.215 is over the insurance limt by 14.215. therefore the son does not have to nur any of their accounts