Karen has given you good advice. If others feel the same way as your husband, there could be a run on the bank and that would be disastrous. FDIC will cover you should the bank fail. Let your money earn interest. It isn't safe at home anyhow. My neighbor just told me this weekend that she keeps tons of cash in her house. I told her "You shouldn't be telling people that. You shouldn't even have told me that." If words gets out, she can be robbed and then they might hit the entire neighborhood. Things like that can snowball very quickly.