Flaherty implemented the "bail in" procedure for Canada a few years back. So even though this talks about the U.S., it also applies to Canadian Banks. So, on a financial meltdown of considerable size, there may be bank runs and bank closures which may prevent you from getting your money out.

Listen to the 4.44 min mark forward.

http://www.thomhartmann.com/bigpicture/great-minds-ellen-brown-did-you-know-banks-can-take-your-money-crisis