Um...Where'd My Bank Go?

It was odd enough that my banking website didn't load--no "Under Construction" sign, no "We're having problems, come back later." Just a "UCCU-who?" from Firefox.

But when calls to any of their half-dozen numbers returned the same message, "All sockets are busy, try later," I started wondering. This is, you know, like, my BANK. It has all my money in it! Do my debit cards still work? Should I start looking up the details of the FDIC insurance?

Since I already had errands to run in that part of town, I swung by and asked what was up. Apparently they hadn't been robbed or gone out of business or had a run on the bank, just all their computerized systems were down.

Two questions come to mind:

1. Is there no backup system in place? A bank seems like a pretty critical place to have not working.

2. Why are ALL their systems (phone AND computer) on the same network? You'd think a bank would understand the concept of "not having all your eggs in one basket."

Anyway, we'll see how long it takes to get working again...