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Look local at smaller banks that didn't rely so heavily on lending.
Just helped my in law move their accounts out of Wamu and National City. Its not because they have more in the accounts than the insurance allowance, it's because when they get taken over it gets tied up for a couple of days typically where you have no access until the FDIC re-opens it.
Small, local credit unions I think might be the safest. CU accounts are insured by some entity other than the FDIC. ALL banks and CUs loan money. That is how they earn money. Most, however, are personal property loans.