Mirax написав:
Україна далеко не на першому місці по кількості банків на тисячу населення. На першому Штати. Вільна країна вільних людей.
Разница в том, что происходит при закрытии банка у них и у нас. Например, вот так закрывают банки у них.
I. Introduction
On Friday, January 21, 2011, CommunitySouth Bank and Trust, Easley, SC was closed by the South Carolina State Board of Financial Institutions, and the Federal Deposit Insurance Corporation (FDIC) was then named Receiver. No advance notice is given to the public when a financial institution is closed.
The FDIC has assembled useful information regarding your relationship with this institution. Besides a checking account, you may have Certificates of Deposit, a car loan, a business checking account, a commercial loan, a Social Security direct deposit, and other relationships with the institution. The FDIC has compiled the following information, which should answer many of your questions.
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II. Press Release
The FDIC has issued a press release (PR-011-2011) about the institution's closure. If you represent a media outlet and would like information about the closure, please contact Greg Hernandez at 1-202-898-6984.
III. Acquiring Financial Institution
All deposit accounts, excluding certain brokered deposits, have been transferred to CertusBank, National Association (N.A.), Easley, SC ("assuming institution") and will be available immediately. The former CommunitySouth Bank and Trust locations will reopen as branches of CertusBank, N.A. during regular business hours.
Your transferred deposits will be separately insured from any accounts you may already have at CertusBank, N.A. for six months after the failure of CommunitySouth Bank and Trust. Checks that were drawn on CommunitySouth Bank and Trust that did not clear before the institution closed will be honored as long as there are sufficient funds in the account. If you have questions about your account(s) transferred to the assuming bank, you may speak to an FDIC representative by calling 1-800-405-8124.
For general questions about FDIC deposit insurance coverage, please call 1-877-275-3342 or visit EDIE, the FDIC's Electronic Deposit Insurance Estimator.
EDIE - FDIC's Electronic Deposit Insurance Estimator
You may withdraw your funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with CertusBank, N.A. as long as the deposits are not pledged as collateral for loans. You may view more information about CertusBank, N.A. by visiting their web site.
CertusBank, N.A. ()
V. Banking Services
The Automated Teller Machines (ATM) and online service will remain available.
The bank will maintain its regular business hours, and you may continue to use the services to which you previously had access, such as safe deposit boxes, night deposit boxes, wire services, etc.
Your checks will be processed as usual. All outstanding checks will be paid against your available balance(s) as if no change had occurred. Your new bank will contact you soon regarding any changes in the terms of your account. If you have a problem with a merchant refusing to accept your check, please contact your branch office. An account representative will clear up any confusion about the validity of your checks.
All interest accrued through Friday, January 21, 2011 will be paid at your same rate. CertusBank, N.A. will be reviewing rates. You will be notified of any changes.
Your direct deposits and automatic withdrawals will be transferred to your new bank. If you have any questions or special requests, you may contact a representative of your assuming institution at your branch office.
два названных банка находятся в РАЗНЫХ ВЕСОВЫХ ГРУППАХ ....а номинации в каждой группе банков присуждаются.. 
