Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
...high % of uninsured deposits are a concern for the regulators. Bank run may hit any bank, large or small. But small & medium size banks are most vulnerable. Last year, the FDIC rescued all deposits when it didn't have to, but don't expect that every time.
Use different titles for CDs (e.g. up to 5 POD accounts are possible, each insured to $250K) or spread the CDs among the banks.
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