I have some money in T-bills in my bank's safekeeping account. The bank says the T-bills are held at the federal reserve bank in NY. The bank is maybe top 50 in the U.S. in terms of size. I asked if there were another big attack in NY, would my money be effected. They said, "Gee, we don't know." I called later, "Can my money be effected in ANY way by wars or natural disasters? The guy said, "I never thought about wars". Now the bank's safekeeping is being discontinued and money is going into accounts with a disclaimer "Not insured by the government" and "Subject to loss". Regardless of cost, where's the most bullet-proof place to keep your money within the U.S. (no filing of foreign account documents with the IRS), and keep the money in U.S. dollars?