Did you read the article? "The proposal spares the vast majority of the US’s 4,500 FDIC-insured banks, and the fees are computed based on banks’ uninsured depo

Did you read the article? "The proposal spares the vast majority of the US’s 4,500 FDIC-insured banks, and the fees are computed based on banks’ uninsured deposits on the grounds that $15.8bn of the $18.5bn cost of the SVB and Signature losses were due to the coverage of accounts larger than the $250,000 limit, and most of those accounts are in large banks." If you bank at one of the 4,500 other banks, they do not have any additional fee as part of this special assessment. If you bank at one of the banks that has this special assessment, it's like all other fees the bank pays as the cost of doing business. That cost went up, and if they choose to pass it on then it should make them less competitive which would in theory have you bank at some place smaller which then in theory would have less of a FDIC risk. All in theory as the invisible hand of the market isn't always so straight forward.