Dr. Gary North had an excellent article on banking in the Weekend Edition of http://www.LewRockwell.com. He proposed that citizens withdraw their money from any bank that accepted bail-out money from the Government. Then he recommended that we establish our banking relationships with small community banks.
Here is a powerful video about this new movement.
But, I’m going to go one better on Dr. North’s article. I want to remind you all that Fractional Reserve Banking (FRB) happens in ALL banks in the USA. That means that ALL BANKS can create money out of thin air as they make loans. The present reserve rate in banking is around 10-15%. That means that when you make a deposit, the bank only has to keep a very small reserve in cash, and the rest can be loaned out just like they own it. Then they can create more money through more loans, all backed by a paper currency without any value.
Any state that seceded from the USA will have to address FRB and gold-backed money before they do anything else. The states that prohibit FRB and fiat currency will be the ONLY ONES that have a chance of survival. All others will eventually fail.