A deposit in an FDIC-insured bank or savings institution is one of the safest ways to protect your money. Bank failures are uncommon (only three banks failed in 2007). Also, the overwhelming majority of depositors have accounts that are fully within the FDIC's insurance limits. However, "if a bank fails, any deposits that exceed the FDIC's insurance limits are not protected by FDIC insurance," said Kathleen Nagle, Associate Director of the FDIC's Consumer Protection Branch. "That's why it's important for consumers to be aware of their insurance coverage and how they might ensure that their deposits are fully protected." Here...