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Putting money in a bank is a form of risk management. A startup can choose to:

* Buy expensive office equipment or put it in a bank

* Go on a hiring spree or put it in a bank

* Acquire another company or put it in a bank

* Put money in crypto or put it in a bank

Shopping for a bank might mitigate a bit more of your risk. Putting it inside of a bank is low risk compared to the many things you can do with money.

Hundreds of thousands of businesses store more than $250k in a bank and for most of them, the largest risk to their business is not their bank.