How much is too much money in a bank?
There is no single legal limit to how much money a bank account can hold; however, keeping excessive amounts in a single account is generally not recommended due to low returns. A key consideration is the deposit insurance limit (such as the $250,000 FDIC limit in the U.S.), as funds held above this threshold in a single institution may not be fully protected in the event of a bank failure. Furthermore, large cash holdings lose purchasing power over time due to inflation, making them less efficient than diversified investments for long-term wealth building.
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No individual bank insures $100 million under a single standard FDIC account profile, because federal deposit insurance caps standard coverage at $250,000 per depositor per institution.