Your bank can shut you down overnight — here’s how to protect yourself

Most Americans assume that if their deposits are insured, their banking relationship is stable. For decades, that assumption has been reasonable. Large national banks offer scale, convenience, and integration across checking, credit cards, mortgages, investments, and digital tools. For many households and businesses, they remain the default choice — for many good reasons.Regional and community banks typically face fewer reputational signaling incentives and fewer reasons to police customers’ law...