Bank deposit will be secure your amount of money in the future and anytime once you want to get it you will get it for sure.
Gold and silver gives you high profit everyear and your income from them you can deposit it through bank.
I think you need to read up on the bank bail in laws and Cyprus as a test case.
In as much as government take over people found in the bank this thread is solely for interest differences between bank deposits and sivlve and gold, while the interest on bank account comes in annual rate some time 3 months or 6 months to one year if you add them together you may end up generating interest higher then that of gold and silver. Just done a proper review on the interesta base on the percentage you stated in the post.
Most banks pay an interest rate below inflation so year on year any funds held in a bank account lose purchasing power.