At least KIA seems smarter than most on here, and I agree, many banks around the world are in trouble. I maintain accounts with HSBC and Hang Seng, and transfer most of my US money to Hong Kong. I feel safer with HSBC, so will not worry for now. The only thing I need is cash-flow, and savings does not pay enough interest to matter. But, I do think many US banks will fold this year, and the US is headed into a full scale depression. Thanks for the feedback.