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> If a bank went bankrupt, how fast would it take for me to get my 250k back from the government?

The FDIC's target is two business days from the failure of the bank. [0] IIRC, though, most actual bank failures have resulted in a different FDIC-insured bank taking over all or virtually all deposits, so while bank failures happen all the time, FDIC insurance payouts rarely need to occur.

[0] https://www.fdic.gov/consumers/banking/facts/payment.html



If you're interested, there's an unofficial "problem bank list". Its unofficial because the FDIC doesn't want to create a run on a problem bank.

http://problembanklist.com/problem-bank-list/




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