Funds in your Cash Account are held by First International Bank & Trust, an FDIC-member bank, and are protected by FDIC insurance, up to $250,000 per depositor. For joint accounts, the covered amount increases by $250,000 per co-owner, for a total of $500,000 for joint Cash Accounts. For more information on federal deposit insurance coverage limits and how they may impact your deposits, please refer to our Terms of Service.