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If the U.S. defaults on its debt, what will happen to my bank money? 
Government default doesn't mean that all US money is immediately worthless.  First, the bondholders will get stiffed.  Following that, interest rates will shoot up (because the US is a bad credit risk at this point) and the government will monetize its ongoing expenses -- i.e., fire up the printing presses. If you're concerned about not having access to your money, start pulling out a little extra when you get cash at an ATM.  Build it up over time until you have enough currency to weather through whatever emergency you envision with your bank account.