I do not know about the United States. In Canada the government can access your total information and accounts records quietly. Safety boxes are gone through periodically I understand as well.

I do not have a box but when the bank states there are only two keys I question it. I suspect a master key as well may exist.

It used to be that on personal individual deposits over 10k the government recieved a notice of. Now it can be on random lesser amounts. Whose descretion the dollar amount may be interests me if true.

In Canada there are only seven major bank chains and they are pretty much in bed with the government.