The only way to make sure they can't steal your money is to keep as little money in your account as possible. Just enough to cover your expenses. This is the lesson that the Cyprus banking crisis has taught us. In today's era of low deposit interest rates it makes no sense to keep anything in the bank above what is necessary. Excess cash should be put into a brokerage account and used to purchase blue chip stocks that pay decent dividends, like utilities. Silver is always a good investment as well.