What happens if my bank or credit union has an outage and I can’t access my account? | Consumer Financial Protection Bureau

Keep in mind that even during a system outage, your money is protected. When your money is in a bank insured by the FDIC, or a credit union insured by the NCUA, your money (up to $250,000 per unique account) is protected even if the bank or credit union fails or goes out of business. Steps you can take in the event of an outage: First, contact your bank Use your bank’s or credit union’s customer service in person, online, or by phone, to find out about the outage and when they expect it to be fixed. Look for other ways to access your money If the outage affects your banking card, try using a check or mobile app for payments, or withdraw cash in person. If the outage affects your online access, try using the phone number on the back of your card to contact a representative or use the automated phone system. You can use an alternate app or take out cash from an ATM or in person. You can try contacting the company by social media. Remember not to put any account or personal information in...