answer:It is cause for concern, certainly. I am a www refugee of the banking system collapse when I went through 3 successive mergers from World Savings that merged into Wachovia then into Wells Fargo. Between the World and Wachovia merger I completely disappeared from the system for about 72 hours and was in a state of complete panic as all of my savings accounts, CDs etc. went poof. Of course I had a paper trail but still….the system could not “account” for 130k for some days! Of course I have still lost my bra in this economy, but at least I KNOW what happened to my money. lol