If you're an account holder at a bank, there is always risks. Ask someone from the bank what their guarantee policy is. That means, how safe is the money that you're putting in there? Many banks have insurance on those things, so in case they get robbed, they can still back you up. It's actually much safer than a piggy bank. However, The USA borrows money from a clearing house in which we will always be in debt. For every $1,000 that the US borrows from this clearing house, the US owes that clearing house $1,500. (basic math) This is the same type of clearing house that was used during the Great Depression. So if, by chance, the US goes into another recession, the bank cannot protect you from any losses if the bank itself goes bankrupt.