Are Any Non Mega Banks Safe Enough To Ignore 100K FDIC Limit?

[XXXNoahXXX]

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Thank you. That was my guess. Meanwhile, I assume it is safe to say that the reason Bank of America and Wells Fargo get business charging about a full percent less, even on fully insured deposits, is because, some people are incredibly irrationally risk averse?

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I don't think risk has anything to do with it. More likely is that there are eight million branch offices, thats where they have their checking account, so thats where they get their CD. I think its more likely to be ignorance/convenience than risk aversion.