I am not a financial advisor. I don't have a crystal ball. I can only tell you that 5 months ago the FDIC had a meeting discussing bank runs, and on their web site they admit only having 1.3% in reserves to cover people's deposits. And if you have over $250k you will lose most of all that's over the 250k. Your 250k will be tied up in paper work if your bank fails. Banks currently are only allowing $10k a day to be taken out in cash but that could change downwards. I personally am holding just enough in my bank to cover bills, and plan to purchase more silver tomorrow.