"Where to keep money" is more accurately "what basket of places" to store one's property.
If you can, put in a credit union (up to $15,000). CUs are MUCH more reasonable on fees and terms as a conventional place to park money than are commercial banks, and probably won't pull a Cyprus on you.
It's okay to get a reloadable debit card/bank account (Rushcard, ACE Elite, AccountNow et al) or two for your own secondary liquid purposes (linking to Paypal, etc). You can get a version of each of the above brands that doesn't charge a monthly fee.
One anonymous debit card/bank account, such as the $150+ types offered on the web, can provide an exta layer of 'no-SSN' privacy and liquid insurance in a conventional banking context.
LR, WM, Bitcoin, Litecoin et al alternative currencies, especially LR (for pocket money) and BTC (for bigger sums) , for those needing privacy and appreciation longer term.
Precious metals and real estate, for a more illiquid but stable wealth holding vehicle. Where possible, hold gold/silver directly, not through third parties (governments are known to raid bank boxes, for example). Hold real property optimally by putting them in a trust with multiple benefical interests upon acquisition (courts have found real property converted to personal property in this fashion are not subject to liens).
