<prompt> Human: First post here,I usually keep about 10k-20k in my checking account. I know the US government insures a certain amount in the bank, but is it covered during a shutdown? If the government goes as far as defaulting on debts and the scare causes people to withdraw more cash than usual, would my money still be safe?  <response>: The SEC has been closely monitoring bank activity and capital levels during this time. It is very unlikely that the government will default, and, as irahelp stated, the FDIC will continue to insure your money. 