My banker told me today that some banks are going to be having problems.
He also said that nobody should keep more than $100K in a bank and that includes the total of multiple accounts if you have more than one.
He said to spread your cash and investments around to multiple banks that are FDIC insured to $100K and keep less than the $100K in each.
If one fails, the money is insured and the others are still solvent. That way you won't get hurt if the shit hits the fan.
FYI