Not worried about those things. Bank failures happen here all the time and are virtually always reserved over the weekend. Our banks are not tied to the government to anywhere near the extent European Banks are. Here are what I have found as relevant information for my state Texas.
Section 73.101:
Inactive Account or Safe Deposit Box Presumed Abandoned
(a) An account or safe deposit box is presumed abandoned if:
(1)
except as provided by Subsection (c), the account or safe deposit box has been inactive for at least five years as determined under Subsection (b);
(2)
the location of the depositor of the account or owner of the safe deposit box is unknown to the depository; and
(3)
the amount of the account or the contents of the box have not been delivered to the comptroller in accordance with Chapter 74.
(b)
For purposes of Subsection (a)(1):
(1)
an account becomes inactive beginning on the date of the depositor's last transaction or correspondence concerning the account; and
(2)
a safe deposit box becomes inactive beginning on the date a rental was due but not paid.
(c)
If the account is a checking or savings account or is a matured certificate of deposit, the account is presumed abandoned if the account has been inactive for at least three years as determined under Subsection (b)(1).
The Official State of Texas Unclaimed Property Website
http://www.window.state.tx.us/up/One in four Texans has unclaimed property from forgotten bank accounts, uncashed checks, security deposits and utility refunds. It's your money, and we want you to get it back.
Texas is currently holding more than $2.6 billion in cash and other valuables waiting for the rightful owners to claim. It's never too late to make a claim, and we are committed to ensuring hardworking Texans don't lose a penny.
COME AND GET IT!
In 2012, the state returned more than $159 million to its owners. Find out what you may have been missing by searching our unclaimed property database.
Posted 04/08/2013 10:14 am
