Just a nit-pick, but something everyone needs to know.

You do not actually lend money to the bank. It is more appropriate to say that you gave the money to the bank, and they MAY give it back to you.

When you "deposit" your money, you are giving it to the bank to do with as they please, and only has to be given back to you AFTER

1. All the collaterilized loans are paid.
2. All debts are paid
3. All fees are paid.

And then, the uncollaterilized loans (your money) will be paid out of what is left from the bankruptcy.

Seriously, they can decide to not give your money back to you. And they have dozens of "approved" reasons to not do so.