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

[SteveOMS]

I would NOT put your money into Washington Mutual. Look at their stock price and default swaps....

Bank of A and citi are both safe. I'd say Schwab is safe as well, but thats a money market and not a CD though right? Different risks there.

My original answer was the best one for the lazy man who doesn't want to think about it or worry about default risk. The extra insurance is insanely cheap and easy to get, just have to ask for it when you walk in. In this environment the bank may even pay it for you.

SteveOMS