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Hear this out loud PauseThere are items you might come to regret locking away in your bank, which isn't open nights, holidays or perhaps even weekends. Access to your safe deposit box could be even more limited during emergencies, including natural disasters (which could even threaten the bank and box itself, depending on where you live).
Hear this out loud PauseFor safe deposit box leases, proceed with caution. The survivor may have a right to title and ownership of the contents, or only a right to continue to access the box. If the signers are spouses and the contents are considered their community property, the survivor likely owns the contents.
You're better off keeping the following items out of your safe deposit box: Passports. Only copies of living wills, advanced medical directives, and durable powers of attorney. Valuables you have not insured. Cash. Anything illegal.
A safe deposit box is not a deposit account. It is storage space provided by the bank, so the contents, including cash, checks or other valuables, are not insured by FDIC deposit insurance if damaged or stolen. FDIC Consumer News Winter 2018 - Five Things to Know About Safe ... fdic.gov ? consumer ? news ? cnwin18 ? fiv... fdic.gov ? consumer ? news ? cnwin18 ? fiv...
Hear this out loud PauseThe safe deposit box is a storage space you rent from the bank. Its contents are kept private, and the bank doesn't know what you put in there.