The problem is: I have gold and silver. Some in a safe at home, some in my safe deposit box. I don’t like keeping it all at home but I might not be allowed to access my safe deposit box. Do you have a solution?
A coffee can.
Look for a private vault company in your city.
They don’t have the same legal requirements as a bank. They aren’t obligated to seal the box if one of the joint box holders dies. And, you don’t have to worry about the bank being closed by the Feds.
Of course, there is some additional risk since it is an unregulated business.