HELP: Is my money safe in the bank??????

As of October 3, 2008 if your account is insured with the FDIC or NCUA it is protected up to $250,000 FOR EACH BANK ACCOUNT (If you have $250,000 ($500,000) in 2 accounts at the same bank you will stand to lose 250,000 if anything happened. you will need to put that extra 250,000 in ANOTHER BANK). But thats only going to last in tell December 31, 2009 The most you should have in your accounts is $230,000 this is so you don't go over the limit.