Like most modern institutions, banks are prepared to handle a wide variety of emergency situations, such as a flood, fire, hurricane or even a simple power outage.

If you are concerned about your bank, stop by for a visit or call them to hear about what they are doing to keep your money safe and accessible. These are areas of concern you might discuss with your banker:

• Our banking system is highly automated, globally interconnected and generally relies on electric power. How has your bank planned to handle emergencies like an extended power outage?
• Your paycheck, social security, child support, etc. payments may all depend upon automated systems. If there are problems with these systems, your regular payments could be delayed. Does your bank have any arrangements or suggestions which might help you, should these payments be interrupted?

Finally, keep some cash on hand, as much cash as you would need for any long holiday weekend. Some prices may go up, and nothing beats cold hard cash in an emergency

The American Banking Association's Emergency Consumer Tips

"Next month, next year and every day, the safest place for your money is in the bank."

• Stay informed. Read all information your bank sends you.
• If you don't already, keep your bank statements and records of your transactions.
• If you bank on-line, keep a back-up disk of your records.
• Avoid scam artists who offer to "hold" your money through the crisis situation. The safest place for your money is in the bank.

Here are some other sources of information:

• The American Banking Association
• The Federal Deposit Insurance Corporation