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<p>[QUOTE=&quot;onecoinpony, post: 1454856, member: 18259&quot;]I&#039;m as anxious as anyone when it comes to losing a large sum of money.&nbsp; In the past year, I&#039;ve had 2 banks fail on me.&nbsp; Both banks contained the maximum FDIC insurance amounts allowed for a H&amp;W, including joint, individual, and Totten trust accounts between us.&nbsp; I received letters stating I could accelerate the due date with no penalty, and instantly withdraw my entire balance.&nbsp; Knowing they were FDIC insured,&nbsp; I left the money in and continued to receive 5.75 APR for a year (yup 5 year CD&#039;s).&nbsp; My worry was negligible, and I had no urge to withdraw said funds.[/QUOTE]</p><p><br /></p>

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