Demand Deposit Account - the kind of account that allows for cleared funds to be withdrawn without advanced notice. Probably 99.999% of accounts such as checking and savings one can write checks/do ACH payments/send wires/transfer money from fall into this category.
Per account "type" and structure. For DDAs if you are married it will be:
You: $250k
Your+your wife: $250k
You POD your wife : $250k
Your wife: $250k
Your wife POD you: $250k