@djc historically there have been banks (ally comes to mind) that offer unusually aggressive deposit yields to attract funds. they were great for savers, but you understood they were a bit sketch and took care to engineer your exposure withing the FDIC limit. yeah, post GFC those limits seemed less credible, but for sketch, aggressive banks… i think this event may undermine a latent distinction between banks you understood to limit deposits with and banks you presume will be protected.