FDIC Pass-Through Insurance
You do not need to keep funds with EPal Pro in order to use our service. If you do hold a balance, you can do so in two ways: (1) EPal Pro, as your agent, will place your funds in a pooled account at an unaffiliated FDIC-insured bank or savings institution, which is eligible for pass-through FDIC insurance coverage; or (2) you can elect to earn a return on your funds by enrolling to invest all funds that you receive into the EPal Pro Investment Fund. The EPal Pro Investment Fund is not FDIC insured, not guaranteed by any bank and may lose value. EPal Pro keeps a record of the amount of your balances, which you can check by logging in to your account through the EPal Pro Web site at any time.

If you do not enroll in the EPal Pro Investment Fund, then in the unlikely event that an FDIC-insured bank in which we place your money fails, your balance placed at the bank would be subject to FDIC pass-through deposit insurance coverage, along with any other deposits you hold at that bank, up to a total of $100,000. Pass-through deposit coverage is contingent upon EPal Pro maintaining accurate records and on determinations of the FDIC as receiver at the time of a future receivership of any bank at which we place your funds. FDIC pass-through deposit insurance protects you only against the failure of the bank at which EPal Pro places your funds, and does NOT protect you against EPal Pro's insolvency. Through the terms of our User Agreement, we believe that your funds will also be protected from any claims of EPal Pro's creditors and will be returned to you even in the unlikely event of a EPal Pro insolvency.

You can access a list of the banks where we place your money by clicking here