The Raisin platform relies on two federally regulated banks to serve as the custodians of your funds. These custodial banks establish accounts at each bank or credit union on our platform and hold the funds there for the benefit of customers. This allows you to create one single Raisin login and an account with the custodial banks, allowing you to fund multiple products at different financial institutions if you so choose. Raisin never touches your funds and they are always held with a federally regulated institution for your safety and security.