If a person deposits a personal check or a cashier's check into a checking acount, when does FDIC insurance coverage start? Immediately? When the proper check hold is removed? When the check clears?
Deposit insurance applies to the balance in the account, whether or not deposited checks have cleared. That does not mean that FDIC coverage protects a depositor from a bounced check. If a check you've deposited is bounced by the bank it's drawn on, your account balance will be charged, and your insured balance will drop, just as it would if you wrote a check on your account to reduce your balance.
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If a person 
Deposit insurance applies to the balance in the account, whether or not deposited checks have cleared. That does not mean that FDIC coverage protects a depositor from a bounced check. If a check you've deposited is bounced by the bank it's drawn on, your 