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I thought the monies in our accounts were federally insured. And is there a time limit that the bank has to give us a decision on the investigation? Are banks not held accountable for due diligence? If there are rules that banks have to follow, where are they and who enforces them?

Our bank accounts are Oregon US bank. But we moved to Washington and have been using a US bank branch in Washington closer to where we live. We had a checking, savings and another savings for our granddaughter. When my husbands parents passed away last year, my husband was executor of the estate...