IndyMac's failure highlights need to do deposit checkup  The
federal takeover of IndyMac, a California-based mortgage lender
that had $32 billion in assets, has led a lot of folks to wonder
whether their own bank will be the next victim of the credit
crunch.  That's not an unreasonable concern. The Federal Deposit
Insurance Corp. has identified 90 institutions as "problem
banks," which means they're at greater risk of failing. That
number is up from 50 at the end of 2006. (The FDIC won't
identify problem institutions because it doesn't want to trigger
a run on those banks.)  But that doesn't mean you should
withdraw your money and bury it in your backyard. If your bank
goes under, you won't lose any money as long as your deposits
are insured. In most cases, you'll have access to your money by
the next business day.  In addition, the IndyMac failure offers
some important lessons for savers who are concerned about the
financial soundness of their bank. Among them:  •Not all your
deposits may be insured. About 1