Realistically, you don't. But there are precautions you can take.

One, don't put all your eggs in one basket. Who ever said you had to have just one bank? I've got my day-to-day bank which cashes my checks and pays bills because it's the most convenient. Then I've got a different bank with better interest rates which the remainder of my money gets transferred to every month. Then I have a few more with retirement savings. And a few grand in cash under the old mattress.

If any of these fail, I have backups, so long as I move fast enough.

I can also put pressure on any individual bank that starts acting up. During the Convoy I spoke to my main bank, at the time. They couldn't assure me that my money wouldn't be frozen so I withdrew it, in cash. Their limit was $3000, so that's how much I pulled out everyday until I had completely drained my savings with them. It's not confirmed but the rumours are that the Emergencies Act was withdrawn so quickly because of pressure people put on the banks by withdrawing funds.

Ideally, you don't work with any bank. But, realistically, there are certain conveniences that are hard to do without. Just make sure you are ready, at any time, to both voice your displeasure and move your assets.