How to keep my money safe? 

• Use banks that are FDIC (Federal Deposit Insurance Corporation) insured or Credit unions that are NCUA (National Credit Union Administration) insured.  Individual limit of $250k. Married couples $500k for a joint account and $250k for individual accounts (total of $1M)
• Have accounts in more than one bank  
• Link bank accounts to outside savings or brokerage accounts you have, so you could deposit money quickly if need be. And watch for monthly inactivity or low-balance fees. 
• SIPC (Securities Investor Protection Corporation)  may cover up to $500,000 in your brokerage account in the event your broker fails. 
• If you have more than cash than the FDIC insures you may consider opening a cash management account, as CMAs often provide FDIC coverage beyond federal limits. 

The FDIC offers an Electronic Deposit Insurance Estimator, a tool to know how much of your money is insured per financial institution. 

FDIC deposit insurance covers: — Checking accounts — Negotiable Order of Withdrawal (NOW) accounts — Savings accounts — Money Market Deposit Accounts (MMDAs) — Certificates of Deposit (CDs) — Cashier’s checks — Money orders — Other official items issued by an insured bank

FDIC deposit insurance doesn’t cover: — Stock investments — Bond investments — Mutual funds — Life insurance policies — Annuities — Municipal securities — Safe deposit boxes or their contents — U.S. Treasury bills, bonds, or notes — Crypto assets