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Online banks - safe?

Yes. Online banks that carry the Federal Deposit Insurance Corporation (FDIC) seal provide a government guarantee of your deposit up to $250,000 per account. Have more than that amount? You can either spread the funds among several FDIC-insured banks or set up separate titled accounts at a single bank with each account below the $250,000 limit. Enjoy your sub-1% return in the meantime...

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