Banks are handy for certain things, but I never keep more than five grand in one at any given time. Spread it all about. Different banks (and not in one country/jurisdiction!), physical bullion, goldmoney.com, the Royal Mint's Signature Gold thing, crypto, and even Paypal can be used as a form of temporary wealth storage. Main thing is to have wealth work for you though, and bricks and mortar's the only straightforward way for that, if you don't have time to keep on top of the stocks and shares.