Don't feel too comfortable with the exchange Op otherwise you'll lost your money to the internet fraudsters because the crypto exchange providers could be vulnerable to be hacked and there'll be no assurance that you will be reimbursed but while the chances to be reimbursed from the banks maybe high, that of exchange will be limited. Of all you need to understand that banking is more reliable than the exchange if we also consider long term holding due to insurance while they are all regulated.