$First Republic Bank(FRC)$ It's only been a couple weeks, most people probably haven't gone and opened a new account elsewhere and changed over all their online banking, auto debits, bill pays, ordered new checks, etc. Even more pain involved for business accounts with ACH payroll and such. To the extent that money is sitting in higher yield accounts or brokerage money markets some of it may be gone unless the bank can compete on yield (given its new cost of funds, doubtful). But a considerable amount of core deposits could come back if people believe the bank has stabilized and want the convenience of using their existing FRC account.
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danger of fixed deposit [流泪]