What bank will open an account with no FDIC insurance attached to it in California or U.S.?

None. In order to be able to have a banking license, banks MUST buy into the FDIC program. No Frills accounts STILL have FDIC coverage.

YOU aren't paying for it - directly. The bank has to pay for it, out of it's profits.

And no, the FDIC coverage (which, btw, is NOT a policy, it's just "coverage", like unemployment "coverage") doesn't give the government permission to access your social security account. You HAVE no social security account. There IS no "social security account". That was dismantled DECADES ago. FDIC isn't sold by INSURANCE COMPANIES. IT's flat out a federal program, that promises taxpayer dollars to help insolvent banks make good on deposits, in exchange for a tax, payable to the government.

Any bank that doesn't have FDIC insurance, is shut down immediately. Those are the "banking laws" in every state.

Your congresspeople and senate representatives, that YOU VOTE FOR, make these laws. Don't like 'em? WORK on getting different people voted in.

Or better yet, do some research to learn about WHY all banks must now carry FDIC insurance by law.

Good luck trying to figure out how to refuse military protection of this country - a public benefit. Police and fire department services - a public benefit. Public school education availability - a public benefit.

You're quite confused. You cannot open a bank account without FDIC insurance, but what difference does it make anyway? What would you possibly gain from an account without insurance? The purpose of the FDIC is simply to give you confidence that if you hear "bad news" about a bank that you don't run to the bank to get your money out of it. It's the run on the bank that causes a bank to go out of business. So, the FDIC is purely there to prevent that. It's simple...if the bank took 80% of their money and invested in 5 year bonds then naturally they wouldn't be able to give everyone their money back if they wanted it at the same time.

If you want something uninsured then don't go to a bank. Also, if you're somehow thinking that you can avoid paying income tax and that's where this is really leading, then throw away whatever book you're reading. If you don't pay income tax then you pay fines and go to jail.

The FDIC insurance protects our money from bank failures. 51 banks have failed so far this year. If there was no FDIC backing the money all of the people with money in those banks would have lost at least half of their money and what they did get out of it would have been tied up for years in probate. I am sorry that you feel most of us (99% as you say) can afford to loose everything they have in a bank.

I thought it was required by law that all banks carry FDIC insurance.

Credit unions carry the same but under a different name.

Marking as interesting.

If you have time, could you let us know why you are looking for this?

Plenty of checking accounts offer no interest and dividends

Those are the easiest things to find

The insurance policy does not give them permission to access your social security account.

The streets are a public benefit. If you refuse that public benefit, then you will not be able to get to the bank. If you use the street to get to a bank, then are accepting a public benefit (the street) and you are not refusing all public benefits.

Simple. If you want no interest, no dividends and no insurance just rent a safety deposit box from the bank and just put your spare cash in the box and take it out as needed. It offers some level of security and is better than stuffing it in your mattress or burying it in a jar in the backyard.

Are you retarded?

Seriously?

There is no such thing as what you're looking for

And the FDIC does not give the bank the right to look at your SS account.

WHERE do you morons get this crap?