<prompt> Human: I dont have too much incentive to keep my money outside any other bank than Ally, aside from maybe one bank with a physical location in case I need cash.If the company were somehow to go down, my money would be insured, right? Id rather have all my money consolidated in one place. Am I being naive or missing anything?  <response>: Your funds up to 250k are insured by the FDIC. If the bank failed, you would get your money back from the government. If you have more than 250k in deposit accounts, you should have accounts at more than one bank to keep as much of your money insured as possible. 