You'd think that with $100,000worth of Federal Deposit InsuranceCorporation (FDIC) insurance per bankaccount, there would be few uninsuredlosses when a bank fails. Yet consumershad $128 million in uninsured funds ondeposit at banks that failed over the past3 years. If bank accounts inyour name have more than $100,000 inthem, then open another account in a differentbank or a different class of accountat the same bank. For instance, if youhave an account in your name and opena joint account with your spouse, bothwould be insured for $100,000 each. Ifyou have a big bankroll, try the Certificate of Deposit Account Registry Service(CDARS; 866-776-6426; www.cdars.com). For deposits of up to $5 million ata single bank through CDARS, FDIC insurancecovers the entire amount.