U.S. bank depositors probably won’t suffer the same fate as Cyprus bank depositors, who are looking at potential losses of as much as 60 percent of their accounts -- far more than initially estimated under the European rescue package to save the country from bankruptcy.
“All things considered, it is extremely unlikely that depositors at U.S. banks would ever suffer losses in the event of a bank failure,” said Paul Ashworth, chief North American economist at Capital Economics. “For a start, U.S. banks are better capitalized and the banking sector is a much smaller part of the overall economy.


In a report for clients, Ashworth compared the banking sector in Cyprus with the banking sector in the U.S. and concluded there's little to fear in terms of a similar performance in this country.
For one thing, deposits now account for a much higher share of U.S. banks' total liabilities. This means that banks have been successful in reducing their reliance on short-term borrowed funds, which, as recent history has shown, can evaporate even more quickly than deposits during a crisis.
“Buoyed by their reserves held at the Federal Reserve, U.S. banks now hold enough cash to pay off all of their remaining borrowed funds,” Ashworth said.

 For another thing, deposit guarantees via the Federal Deposit Insurance Corp. have been a feature of the U.S. financial system since the 1930s. The FDIC already has the funds available to guarantee deposits of as much as $250,000 despite the failure of almost any number of U.S. banks.


I think that some U.S. bank depositors will suffer, because if they have more than $250,000.00 in the bank than what will happen to the rest of their money.  They don't mention what will happen to the U.S. Banks.