Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

If the U.S. defaults on its debt, what will happen to my bank money? 
In principle, a default will have no effect on your bank account. But if the US's credit rating is downgraded, the knock-on effects might cause some more bank failures, and if the debt ceiling is still in place then the FDIC insurance might not be able to pay out immediately.