Let’s be frank: If you have a US bank account, hearing about bank failures in the past couple of months hasn’t felt great. After all, a bank is supposed to be the safest, most boring place to keep your money, not the reason you reach for Advil. Well, guess what? A bank is still the safest place to keep your money, and will continue to be even though some banks will fail from time to time.
Plus, much of the information that would help you truly gauge the health of your bank is not public, such as deposit inflows and outflows, credit losses and funding sources. And to the extent they are reported, it is on a lagged basis at the end of each quarter. What should I do if my bank fails? Every resolution of a bank failure is a little different.
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