Again, thats a great topic-these are things I honestly never considered. If they are small banks, one hopes they keep records elsewhere, to avoid this situation. However, small, rural banks may not have that luxury. I know next to nothing about the banking industry, or any requirements-I can certainly see money on hand being an issue in a local disaster-I would suggest maybe a credit card, unused, as a backup-for those types of events where you need a place to stay for a couple of days, or need to purchase transportation. If the whole banking industry collapsed, I would think that where you kept your money could be the least of your issues.