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Should I start pulling my money out of my bank and put it now up in my ceiling or wall, paying my bills with certified checks? From what I understand when your bank goes under the FDIC protects your money that's in the bank but it takes some time to get it. I have things like at mortgage to pay and car payments that I don't want to get behind on just because tons of doh doh brains can't get their acts together!
We are going to experience nationwide bank collapses that overwhelm the governments capacity to honor all FDIC insurance claims. If our leaders on Capitol Hill don't come up with a solution by Monday, our economy is likely to spiral out of control, causing widespread panic, distrust of the US Dollar, and reversion to a bartering system. I advise taking your money out of the bank, but don't tell your friends to do the same, because if everyone does it, we are in trouble. Put at least 50% of your cash into Gold or other precious metals because if the Dollar becomes worth no more than the paper its printed on, Gold will become an essential commodity for denominating value of goods and services. With the economic collapse that is likely to occur on Monday or Tuesday, every financial institution in the USA will significantly lose the ability to loan out cash, the Federal Reserve will need to print money excessively to increase the money supply, but panicked US Bond holders will simultaneously cash out their US Bonds for fear that they will become worthless as a cash-strapped system loses the ability to cash-out those bonds on large or even medium scale, thereby preventing the Fed Reserves injection of cash from having any significant impact on saving our economy from the biggest collapse possbile. You won't hear this in the news, because everyone will panic and pull their money out. But - PULL YOUR MONEY OUT!
Keep your money in the bank, the worst thing you could do right now is cause a run on the deposits at a bank. As long as your within your limits of FDIC coverage I wouldn't worry about, if your with a smaller community bank you are probably actually better off because they generally didn't get involved in that whole mortgage backed securities subprime mess that the big (too big to fail) banks did. The FDIC has a ton of resources that you can use to check the health of your bank.
What bank are you talking about? Some are shaky but some are fine. I was WaMu, which just got closed and forced into sale last night, but that is actually a good move for account holders; JP Morgan/Chase (the buyer) is much more stable. If you're WaMu, you'd just be panicking and paying extra fees, risking your cash (jeez, think if you had a fire or something, no insurance on your money at all, just >poof< gone forever!) and helping destabilize the system, for no good reason at all. And you don't think that certified checks would be as long of a delay as a bank failure? ... who do you think certified checks are certified BY? (The bank!) Add mailing and clearance time and extra processing time, and you're probably looking at as much of a delay as you might face in a nearly worst-case scenario. And paying more fees. Just because you're panicky. If you have another bank which appears to be about to go under, eh, maybe it could help to move your money to a more stable bank. You don't mention which bank you're with, though, so I have no idea if that would help -- or you might even be moving your money from somewhere stable to somewhere less so!
KEEP YOUR MONEY minnesota THE BANK. When a bank fails, there is no disruption of access to your money up until the insured amount. In most cases the FDIC closes banks on Fridays, and by Monday everything is back to business as usual. And you still have access to your money during the short transition over that weekend like normal via checks and debit cards. Even in the case of WaMu, were the failure happened overnight during the week, everything today was business as usual for WaMu customers and branch personel. So don't worry. Just make sure that all of your funds are insured by using EDIE at www.fdic.gov, and if not, move funds that not insured to another bank, not to your mattress.
No. Don't overreact. If you don't feel comfortable, open up a second checking account at another bank as a backup. But don't close the account at your current bank.
No, your money is fine. Keep some modest cash at home for spending money if you want to, but don't go crazy. Keep writing checks on your monthly bills like normal. It's going to be okay.