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So, there's really not anything to worry about if your deposits are under the FDIC amounts for regular and retirement accounts. You wake up one morning and everything is the same except the name of your bank.
That's good to know. It would almost have to be that way to keep depositors confident and thus preventing runs.

WELL,,,,that's if everything works right. It did in the case I experienced. I can recall other events where it took longer to resolve.

If they can't find a buyer, the bank usually continues in business, a la Chapter 11, as a "debtor in possession", with the FDIC as receiver. The smoothness of those deals can vary.

But, if you're under the $100K insured amount, ultimately you will get your money out.

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