On my facebook page I track all sorts of investing and watching the banks. Look up BofA, PNC, Wells Fargo, etc. Dropping every day., including right now. What if one drops? What do you think happens to the others when the U.S. can't print money fast enough to bail them out? Your treasury dollar gone, worst case of course.

A modern bank, digital friendly and offers everything your brick and mortar banks do but without the risk. SoFI is a great example. 4% on savings and checking if direct deposit and it has mortgages, credit, investing into Crypto, Stocks and ETF's, loans, whatever you need with easy to access to it. While you can only do 3 referrals and I think I just got my second, find someone that will trade new user for new user SoFI is decent rewards. 50 for user and 25 for new. Listed as one of the safest right now on top of everything else and surplus budget, meaning if everyone got their money out today at SoFI, they would open tomorrow with more money to lend and would be fine. 4% interest if direct deposit, one of the highest. Not a bad stock option right now, future looks good for all these types of banks. Here is SoFI (my link), which gives the biggest bonus because I have an older account, 50 to me, 25$, to you and a potential additional gift not listed, only using as example of what not to do but we are going to for the moment, but a new bank is time sensitive right now. Feel free to ask in the posts what you need right now, remember your flair!

https://www.sofi.com/invite/money?gcp=542f12fc-8c26-476e-b936-984fccad1792&isAliasGcp=false P.S. - First bank app with a great interface with their app and interest rates! Read their statement about solvency. This is my personal link and will not be up long. If you get it, please note in the post, will close so that new users can get the rewards fast. No more than two new users if you use my link.

50$ me, 25% and a chance at more during signup.

Edit: Title should say best/worst case scenario's for the 4400 other banks that can't be insured? Best case, somehow congress (lol) gets together and saves you, or they are gone and so is every asset you have stored with them.