Banks rarely go out of business unannounced, but when troubled institutions experience severe liquidity crises or capital failures, federal regulators such as the Federal Deposit Insurance Corporation (FDIC) step in to take control, shut down operations, and immediately arrange protective purchase-and-assumption agreements with healthy acquiring banks. This orderly resolution process ensures that all insured depositors retain uninterrupted access to their funds up to statutory limits, completely preventing personal financial loss during historical banking failures.