If your online bank closes or merges with another bank, your accounts and funds should remain protected. In most cases, the FDIC or NCUA insurance will continue to cover your deposits up to the $250,000 limit per depositor. You will likely be notified of any changes in advance, and your account may be transferred to the new bank, where you can continue to access your funds and manage your account. It's essential to keep track of any correspondence from your bank and follow any instructions provided during the transition process.