Why shouldn't you keep more than $3000 in your checking account?

BANK OF CMRC 2 Bodcaw Bank 4 CHAIN BRIDGE Bank National Association 12 Columbus State Bank 6 FCN Bank National Association 7 First National Bank in Frankfort 1 First National Bank of Wakefield 2 First State Bank & Trust 5 Hometown Bank of Corbin, Inc. 3 INTERCREDIT Bank National Association 13 Latimer State Bank 1 National Bank of Coxsackie 4 NBT Financial Bank 7 Neighborhood National Bank 1 OPEN Bank 16 Pavillion Bank 1 PLANTERS B&TC 2 Richland State Bank 1 Springfield State Bank 13 Triad Bank, National Association 2