What will you do if you find out that the bank you have been dealing with ‘fails’ its federal stress test?

The White House said yesterday that the Treasury Department’s “stress tests” on banks would be wrapped up by the end of the month, at which point the government would begin revealing the results.

The tests are being conducted to determine if the nation’s 19 largest banks have enough capital to withstand loan losses over the next two years if the recession worsens.

The hope is that those banks that do not have enough capital will seek help, but the government does not rule out taking more direct action to remedy the problems.

The question is, if the bank that you or your business deals with is found to have insufficient capital, what will you do?