I have done a lot of reading on FDIC insurance and I even used their online insurance estimator, so I know how my accounts need to be set up in order to have everything covered, and I went to the bank to get them set up that way. What I'm wondering is, how I know for sure that my bank set them up correctly.
It is necessary that the account title reflect the fact that the accounts are designated to be payable on your death to beneficiaries, but the names of the beneficiaries need not be included in the title itself. So, for example, the account could simply be titled "John Doe POD."
The FDIC relies on the deposit records of the bank to determine the ownership interests on an account, so it's necessary from the FDIC's perspective that your POD beneficiary be indicated on the account records. The signature card and deposit contract for your accounts, often combined in a single document, should reflect both that you have designated them to be payable on your death, and the names of the respective beneficiaries. If you have any question that the bank completed those forms correctly, you should ask for a copy of those documents for each account.
Published on BankingQuestions.com 7/25/08
Updated 10/8/08
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I have done a lot of reading on 
It is necessary that the account title reflect the fact that the accounts are designated to be payable on your death to beneficiaries, but the names of the beneficiaries need not be included in the title itself. So, for example, the account could simply be titled "John Doe POD."