Netbank made too many bad loans, so the FDIC shut them down. Now might be a good time for you to check the financial strength of your bank. Bankrate.com regularly publishes reports from the FDIC on how safe and secure your money is at any properly chartered bank, thrift, or credit union in the USA. Before Netbank was shut down, they had the lowest possible ratings Bankrate and the FDIC can assign.

Now might even be your time to dump your for-profit bank for a credit union in your area that serves its members needs (instead of stockholders'). Lots of them even have loopholes for the stated membership requirements if you just ask the right questions.