[Klathmon]

I can't even imagine the hellish process that you would have to go through to prove that you actually owned the money you did to receive the FDIC or SPIC pay.

I'm genuinely curious what the process would look like, if it even applies. Where would you even start if the bank just suddenly says "you have $0"?

[ams6110]

I guess I'd start with last month's statements.

[Klathmon]

I don't get those in the mail anymore, just an email with a link to their site.

But even if I did, what do you do from there? Call someone and say "I have a piece of paper that says I should have $x but they say I have $y"?

[ams6110]

Yeah my bank is the same. I could download the statements, not sure who really does that accept the extremely paranoid.

Civil claims are based on a preponderance of the evidence. if I go into court with a piece of paper from the bank saying that I have $5,000, and the bank has nothing to say that I do or don't have any money there, I have more evidence on my side than they do on theirs.

In reality it's probably not that simple.