在mysavingsdirect 和ally bank里有几万块而已，大部分在国库券里套着。硅谷银行倒闭，琢磨着是不是该把小银行里的钱取出来放到大银行，比如 citi BOA 里，是不是稍微安全些。

25万以下都是安全的，联邦保险

NO!

1) do you have more than $250K in one account ? if not, don't panic. you are fine. go sleep, make love, make a baby. eat. rest.

2) if you do have more than $250K in one bank, you may want to spread out.

FDIC: checking saving...=$250K

CD: $250K

if you have IRA: another $250K.

Husband and wife have separate accounts: limit X 2. you can easily do about $1 M in one bank