Account balances are privileged up to CHF 100’000 per account holder. In a bank bankruptcy they fall into the second category not the third. And securities balances are even better off than account balances. Securities are not shown on the bank balance sheet. They are regarded as special assets and, unlike account balances, do not fall into the bankruptcy assets of the bank. So with finpension 3a Retirement Savings Foundation, your pension provision is as secure as possible.