A coordinated social media campaign used the hashtag #TheBanksAreOutOfMoney to stoke public fear about the solvency of U.S. banks, leading to widespread anxiety, increased withdrawal activity, and elevated pressure on institutional trust across the sector.

The claim that a coordinated social media campaign using the hashtag #TheBanksAreOutOfMoney has incited public fear about the solvency of U.S. banks is partially supported by recent events in the banking sector. Moody's has downgraded the credit ratings of several banks, citing financial risks and strains that could undermine their profitability. This follows a banking crisis that began in March 2025, marked by the collapse of Silicon Valley Bank, which triggered fears of bank solvency and led to increased withdrawal activity among depositors. However, the U.S. Financial Stability Oversight Council has stated that the U.S. banking system remains "sound and resilient" despite stress on some institutions, as noted by the U.S. Treasury (Yahoo Finance). While these developments have heightened public anxiety, regulatory measures such as FDIC insurance provide a safety net for depositors, indicating that while concerns are valid, the overall safety of deposits remains intact. Therefore, while the hashtag reflects genuine concerns about bank stability, it may also contribute to unnecessary panic among the public.