Safe Storage of Cash at Home

In times of crisis or as a precautionary measure, having physical cash on hand can provide a sense of security. However, it is essential to store cash safely to prevent theft or damage. This article explores various safe hiding places within the home, as well as alternative options for secure cash storage.

Key Facts

  1. Safe Places to Keep Cash Hidden in Your Home:
    • There are various safe places in your home where you can hide your cash discreetly.
    • Some common hiding spots include inside a book, in a hidden compartment, behind a picture frame, or in a locked safe.
    • It’s important to choose a spot that is unlikely to be discovered by burglars or visitors to your home.
  2. Savings Accounts as a Safe Option:
    • Savings accounts are a safe place to keep your money because they are guaranteed by the Federal Deposit Insurance Corporation (FDIC) for bank accounts or the National Credit Union Administration (NCUA) for credit union accounts.
    • Deposit insurance covers up to $250,000 per depositor, per institution, and per account ownership category.
    • This means that even if your bank or credit union becomes insolvent, your deposits are protected.
  3. Certificates of Deposit (CDs):
    • CDs are another safe option for keeping your money at home.
    • CDs are issued by banks and credit unions and also carry deposit insurance.
    • They require you to lock up your investment for a specified period of time, but they offer higher interest rates than savings accounts.
    • CD laddering is a strategy where you open multiple CDs with different maturities to maximize flexibility and potential returns.
  4. U.S. Government Securities:
    • U.S. government securities, such as Treasury notes, bills, and bonds, have historically been considered extremely safe because the U.S. government has never defaulted on its debt.
    • These securities typically offer higher interest rates than savings accounts.
    • Treasury bills have a maturity of one year or less, Treasury bonds have a maturity of 20 or 30 years, and Treasury notes have a wide range of terms from two to 10 years.

Safe Hiding Places for Cash at Home

Taped to the Inside of a Dresser

This discreet location is often overlooked by burglars. Tape an envelope containing cash to the inside back of a dresser drawer, where it will be concealed when the drawer is closed.

Hollowed-Out Book

Choose a hardcover book that you do not frequently use. Carefully cut out the center of the pages using a razor blade and insert an envelope with cash into the hollowed-out space. Replace the book on the shelf, blending it with other books.

Fake Electrical Outlet Box

Purchase a fake electrical outlet box that conceals a hidden compartment. Cut a hole in the drywall (or replace an unused outlet) and install the outlet box. Hide cash or small valuables within the compartment.

Package in the Freezer

Freeze a bag of vegetables and remove a portion of the contents. Place cash in a zip-shut bag, fill the original bag with packing peanuts, and seal it. Hide the package in the back of the freezer, making it appear like an unused food item.

Bottom of Flour Canister

Fill a zip-shut bag with cash and place it at the bottom of a canister containing flour, sugar, or cornmeal. The cash will be concealed by the bulk of the food item.

Inside Plumbing Access Door

Most bathrooms have a small door on the wall that provides access to plumbing pipes. Install a shelf within the opening or tape an envelope of cash to the inside wall. This location is often overlooked by intruders.

In the Toilet

Submerge a mason jar containing cash in the water tank of a toilet. This unusual hiding place provides easy access to cash without attracting attention.

Alternative Options for Secure Cash Storage

Savings Accounts

Savings accounts are federally insured by the FDIC or NCUA, providing protection for deposits up to $250,000 per depositor. While access to cash may be limited, this option offers a secure way to store funds.

Certificates of Deposit (CDs)

CDs are issued by banks and credit unions and offer higher interest rates than savings accounts. They require a fixed investment period, but provide deposit insurance and a guaranteed return.

U.S. Government Securities

U.S. government securities, such as Treasury notes, bills, and bonds, are considered extremely safe investments due to the government’s strong credit rating. They offer higher interest rates than savings accounts and are backed by the full faith and credit of the U.S. government.


Choosing the right place to store cash depends on individual circumstances and preferences. Whether opting for discreet hiding places within the home or exploring alternative secure options such as savings accounts or government securities, it is essential to prioritize safety and accessibility. By following these recommendations, individuals can safeguard their cash and gain peace of mind.




Where are the most discreet places to hide cash at home?

Consider hiding cash inside a dresser, in a hollowed-out book, or within a fake electrical outlet box.


What are some unusual hiding spots for cash?

You can conceal cash in a package in the freezer, at the bottom of a flour canister, or inside the plumbing access door.


Are there any secure storage options for cash besides hiding it at home?

Yes, you can store cash in a savings account, which is federally insured up to $250,000. Certificates of Deposit (CDs) and U.S. government securities also offer secure options with higher interest rates.


What is CD laddering and how can it help me store cash safely?

CD laddering involves opening multiple CDs with different maturity dates. This strategy provides flexibility and allows you to take advantage of higher interest rates while maintaining access to some of your funds.


How much cash should I keep at home?

The amount of cash you keep at home depends on your individual circumstances. Experts recommend having at least a day’s worth of expenses on hand, but some prefer to have a week’s worth for added security.


What are the risks of storing cash at home?

Cash stored at home is vulnerable to theft, damage, or loss. It is not insured like funds in a bank account and may lose value due to inflation.


How can I protect my cash from fire or water damage?

Place cash in a waterproof and fire-resistant container, such as a SureSeal box or Liberty Cool Pocket. Store the container in a low and dry location within a safe or vault.


Should I tell anyone where I am hiding my cash?

It is advisable to inform a trusted family member or friend about the location of your hidden cash in case of an emergency or unforeseen circumstances.