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If FDIC insured online bank accounts aren't safe can Treasury bills be much safer?

I'm looking to put some money in an investment vehicle other than stocks and I'm not really interested in bonds or CDs. I want to be able to get at my money almost instantly so I'm thinking FDIC insured online savings account or maybe MMF?

How are online banks like emigrantdirect.com and ingdirect.com in terms of getting at your money quickly?
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