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

[howzit]

none of those banks will default in the short term. However, you have enough wealth to get financial planning at a private banking arm of one of the major wall st firms. Goldman, Deutsche, Merrill, JPMorgan, UBS.

The first thing they will tell you is that CDs are a joke. and a 5 YR CD is insane. They are illiquid and return less than the most basic of money market funds.

but if you're lazy and OK with returns that can barely beat inflation PRE TAX, it's all on you.

and to answer your questions, any of those banks are fine and don't face any bankruptcy issues. Schwab and BOA are the best names on that list.