I don’t worry about my bank. I’ve had banks go under that I was deposited in. Never had a problem getting my money. Typically, IF there is a delay, it’s only a day or two. My buddy had a CD where it took him a month to get his money, but his CD had not matured anyway, so they probably did not consider his case a matter of urgency.
My bank is a good bank also. I still keep my ‘operating funds’ and SD box there. But I do not let them build too high. The only thing I lose is the paltry .35% AP interest that my MM earned in exchange for instant access. If and when things get better, I can just redeposit. That MM acct was mearly a parking space for my cash anyway. Everybody’s situation is different.