Revocable Trust Accounts, estate planning trusts and or (living trust, family trusts) are insured for up to $100,000 for each person on the account. Or just ask the bank to use a CDARS (which will cost you a very small percentage of your total yield).
Or since you are the genius perform the math yourself, from 2001 through 2004 22 banks were taken over by FDIC and four of these banks failed to return 100 cents on the dollar on uninsured accounts when the final dividend was paid.
SOURCE: FDIC
<font class="small">Code:</font><hr /><pre> Failed Bank--- Date Closed----- Total Uninsured Deposits Repaid
Bank of Sierra Blanca
18 January 2002
65.35%
Sinclair National Bank
7 September 2001
82.17%
The Malta National Bank
3 May 2001
91.21%
First Alliance Bank & Trust
2 February 2001
94.99%
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The remaining eighteen banks that went under had returned, by the spring of 2005, anywhere between 30% and 98% of uninsured deposits, but they are still in receivership and could return more.
One percent of all the banks in the US fail each year.
This should give you all the data you need to compute your 1 in 2000 thousand chance.
www.idcfp.com is a good website to get an accurate rating of a banks solvency.