At the moment, deposit protection schemes in the euro area are still fragmented along national borders. While there have been waves of harmonization - for instance in 2009, a uniform minimum coverage of EUR 100,000 was introduced -, they still display significant regional differences.
From a central bank perspective, the establishment of a common deposit insurance scheme is of less urgency than the other components of a Banking Union. I also understand the concerns with potential liabilities to be incurred in a moment of financial crisis.