I admit it. The banking scenario is pretty damn scary. The impotence it makes a person feel. Update- Thanks for the response; 7 hrs later, it is back up. This does not really alleviate my concerns over-all.
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I'm nervous about changing banks, how do we even know if funds are safe in a smaller bank or a credit union? Besides, if everything goes in the crapper, not even our insured deposits at a bank are actually protected, are they? Someone tell me about credit unions. I always thought they were for payroll employees only, not self-employed 1099-ers