[DubiousPusher]

For your own sake, pay someone to help you with this. It doesn't need to be someone full time. You can use a consultant. You are not protected even with a big bank. Given the way the political climate has developed, if there's another "big one" even a fraction of this size of 2008, it may be politically impossible to wrangle another bailout. Your only protection is diversification.

[hizanberg]

No, I don't need to pay for an external consultant's help to tell us to spread our funds over multiple accounts to fit within 250k FDIC insured limit. If any of the top 3 "too big to fail" US Banks collapses we'll all have bigger problems resulting from the collapse of the US Banking system.

[DubiousPusher]

Cool. Suit yourself. You got lucky this time and are getting bailed out.