Hey all, with banks failing left and right I had a question.. Say your bank "fails" and you have a bunch of money in it and say you pay your mortgage directly through this account.. What happens? Perhaps the larger question is what happens to your debt/credit if a bank fails and cannot keep their obligations to you? I realize the FDIC is there but from what I've been reading, even they top out eventually (e.g. enough "run on banks" to where they can't cover the obligations)