I have my bank accounts with Citigroup, and I pretty sure Citigroup will not go under, however, I am concerned a bit. What happens to the monies within the bank that is over $100,000? FDIC will not cover. Do banks have additional coverage? Can the account owner purchase their own insurance to ensure the money would not be lost if the bank goes bankrupt? Looked on the site, could not find anything. Also looked on Bank of America, WaMu, and Chase. Nothing either.