With the economy in feefall and banks in serious trouble, would it be wise to withdraw all money from the bank before it fails?

My bank is refusing to close my checking account until I pay the overdraft fees they excessively charged. I told the rep at the bank that I would make arrangements to pay the money I "owe" them, but that I want to close the account to stop their continued overdraft fees. What can I do?:(

I'd like to close my 401K account, and pay off a bill I have, but I don't qualify for none of the Hardship cases. What can I do besides taking out a loan on my 401k? What I want to do is, just close my account and take my money back, but I'm not sure if I could do that. What are my choices?

I have 2 retirement 401k accounts. (one of my companies was bought out by the other)I would like to close 1 of them out and put the money into a down on property in which to live. How much in penalties will this cost me % wise.