is my money safe at a commercial bank 
for the most part yes commercial banks are heavily regulated and most deposit accounts are covered up to 250 000 by the federal deposit insurance corporation 8 moreover commercial and investment banking funds cannot be co mingled by law 8the bottom linecommercial banks are a critical component of the u s economy by providing vital capital to businesses and individuals in the form of credit and loans they provide a secure place where people save money earn interest and make payments through checks debit cards and credit cards commercial banks are typically in brick and mortar locations in cities and towns many with extensive branch networks a growing number have no physical location however instead they are accessible online and through mobile applications 