[BostonCard]

I would probably raise the limit (if not get rid of it completely) but I think high denomination deposits should be charged at a higher level (since it is riskier for a few large deposits to run for the exits at once than it is for thousands of smaller depositors).

And yes, ultimately, banks customers pay most of the cost of FDIC insurance in the form of lower returns, though some of the cost is borne by banks shareholders (which is why banks always protest when the FDIC wants to raise the insurance rate).

BC

[BostonCard]

I would probably raise the limit (if not get rid of it completely) but I think high denomination deposits should be charged at a higher level (since it is riskier for a few large deposits to run for the exits at once than it is for thousands of smaller depositors).

And yes, ultimately, banks customers pay most of the cost of FDIC insurance in the form of lower returns, though some of the cost is borne by banks shareholders (which is why banks always protest when the FDIC wants to raise the insurance rate).

BC