The article examines how depositors behave in failing banks using data from a US bank that failed after the 2007-2009 financial crisis. They found that uninsured depositors tend to withdraw their money when bad news hits, but government deposit guarantees help stabilize deposits. Older accounts are less likely to leave, and checking accounts are more stable than savings accounts. Surprisingly, term deposits are more sensitive to risk than transaction accounts. The study also shows that the bank attracted new insured deposits as it approached failure, questioning the effectiveness of depositor discipline in maintaining financial stability.