If you already have an account with a program bank and want to ensure that you get full FDIC Coverage on any funds you deposit into your Personal Capital Cash account, you will need to opt out of that program bank.
Please contact cash@personalcapital.com and be sure to mention the name of the financial institution.
For a list of program banks, visit the link to Available Program Banks in the Sweep Program Details section of your Personal Capital Cash account details page.