Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Would you withdraw your money from your bank if you thought it was going under?
To the average consumer, the financial health of a bank is completely irrelevant.  The FDIC's job is to make it that way.  Even if a bank does go under, the FDIC is very good at making sure there is little/no interruption in service.  Usually, another bank just takes over the asset of the failing bank, and you don't even notice the difference.  You might have a ~24 hour window where your local ATM doesn't work. I also really question the "FDIC is broke" statement.  The FDIC has access to additional funding beyond the Deposit Insurance Fund mentioned in your link.  It also has the ability to borrow from the Treasury. If you look into the FDIC's report a bit closer, the amount in the "Provision for Insurance Losses" is not just money spent on failing banks.  It also includes money that has been set aside to cover anticipated failures and litigation.  Saying the FDIC is "broke" is like saying I am "broke" because my checking account balance went down after I moved some money into a rainy-day fund. Failure of the FDIC would signal a failure of our financial system and the government that backs it.  If the FDIC fails, your petty checking account would be meaningless anyway.  The important things would be non-perishable food, clean water, and guns/ammo. That said, it will be interesting to see the latest quarterly report for the FDIC when it is released next week.  The article implies things will look a little better for the FDIC, but we'll see.