Just use Big Five in Canada, I assume you have 100% guarantee then. In the US $250,000 is guaranteed by FDIC (per bank), so you would probably be fine here too.

Just use Big Five in Canada, I assume you have 100% guarantee then. In the US $250,000 is guaranteed by FDIC (per bank), so you would probably be fine here too. OTOH not all businesses can operate from a founder's wallet, some need loans. Who's going to provide those loans if every bank is a full-reserve bank?