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Simple math, real impact.",[],{"_key":2396,"_type":143,"children":2397,"markDefs":2402,"style":2370},"k455",[2398],{"_key":2399,"_type":147,"marks":2400,"text":2401},"k454",[],"Use different ownership categories at the same bank",[],{"_key":2404,"_type":143,"children":2405,"level":1224,"listItem":1633,"markDefs":2410,"style":164},"k459",[2406],{"_key":2407,"_type":147,"marks":2408,"text":2409},"k458",[],"Single, joint, IRA, trust, and business accounts are each counted separately",[],{"_key":2412,"_type":143,"children":2413,"level":1224,"listItem":1633,"markDefs":2418,"style":164},"k463",[2414],{"_key":2415,"_type":147,"marks":2416,"text":2417},"k462",[],"A founder using multiple categories at the same bank could access USD $750,000 or more",[],{"_key":2420,"_type":143,"children":2421,"level":1224,"listItem":1633,"markDefs":2426,"style":164},"k467",[2422],{"_key":2423,"_type":147,"marks":2424,"text":2425},"k466",[],"No new banking relationship needed",[],{"_key":2428,"_type":143,"children":2429,"markDefs":2434,"style":2370},"k471",[2430],{"_key":2431,"_type":147,"marks":2432,"text":2433},"k470",[],"Look into sweep networks",[],{"_key":2436,"_type":143,"children":2437,"level":1224,"listItem":1633,"markDefs":2442,"style":164},"k475",[2438],{"_key":2439,"_type":147,"marks":2440,"text":2441},"k474",[],"Some platforms automatically spread your cash across multiple FDIC-insured banks",[],{"_key":2444,"_type":143,"children":2445,"level":1224,"listItem":1633,"markDefs":2450,"style":164},"k479",[2446],{"_key":2447,"_type":147,"marks":2448,"text":2449},"k478",[],"No extra admin, no multiple logins",[],{"_key":2452,"_type":143,"children":2453,"level":1224,"listItem":1633,"markDefs":2458,"style":164},"k483",[2454],{"_key":2455,"_type":147,"marks":2456,"text":2457},"k482",[],"Combined coverage can reach USD $5,000,000 for individual accounts and USD $10,000,000 for joint accounts",[],{"_key":2460,"_type":143,"children":2461,"level":1224,"listItem":1633,"markDefs":2466,"style":164},"k487",[2462],{"_key":2463,"_type":147,"marks":2464,"text":2465},"k486",[],"Ask your provider whether they use a sweep network and how many banks are in it",[],{"_key":2468,"_type":143,"children":2469,"markDefs":2474,"style":1617},"k491",[2470],{"_key":2471,"_type":147,"marks":2472,"text":2473},"k490",[],"On the SIPC side",[],{"_key":2476,"_type":143,"children":2477,"markDefs":2482,"style":2370},"k495",[2478],{"_key":2479,"_type":147,"marks":2480,"text":2481},"k494",[],"Structure accounts across separate capacities",[],{"_key":2484,"_type":143,"children":2485,"level":1224,"listItem":1633,"markDefs":2490,"style":164},"k499",[2486],{"_key":2487,"_type":147,"marks":2488,"text":2489},"k498",[],"Individual accounts, joint accounts, traditional IRAs, and Roth IRAs each get their own USD $500,000 limit",[],{"_key":2492,"_type":143,"children":2493,"level":1224,"listItem":1633,"markDefs":2498,"style":164},"k503",[2494],{"_key":2495,"_type":147,"marks":2496,"text":2497},"k502",[],"A founder using multiple account types at the same brokerage can stack coverage without switching firms",[],{"_key":2500,"_type":143,"children":2501,"level":1224,"listItem":1633,"markDefs":2506,"style":164},"k507",[2502],{"_key":2503,"_type":147,"marks":2504,"text":2505},"k506",[],"No extra cost, no extra complexity",[],{"_key":2508,"_type":143,"children":2509,"markDefs":2514,"style":2370},"k511",[2510],{"_key":2511,"_type":147,"marks":2512,"text":2513},"k510",[],"Check if your brokerage carries excess SIPC insurance",[],{"_key":2516,"_type":143,"children":2517,"level":1224,"listItem":1633,"markDefs":2522,"style":164},"k515",[2518],{"_key":2519,"_type":147,"marks":2520,"text":2521},"k514",[],"Some firms buy additional private insurance on top of SIPC's standard limits",[],{"_key":2524,"_type":143,"children":2525,"level":1224,"listItem":1633,"markDefs":2530,"style":164},"k519",[2526],{"_key":2527,"_type":147,"marks":2528,"text":2529},"k518",[],"Coverage varies by firm. Some offer unlimited securities coverage and extra cash protection above the SIPC sub-limit",[],{"_key":2532,"_type":143,"children":2533,"level":1224,"listItem":1633,"markDefs":2538,"style":164},"k523",[2534],{"_key":2535,"_type":147,"marks":2536,"text":2537},"k522",[],"This is usually disclosed in the account agreement or on the firm's website",[],{"_key":2540,"_type":143,"children":2541,"level":1224,"listItem":1633,"markDefs":2546,"style":164},"k527",[2542],{"_key":2543,"_type":147,"marks":2544,"text":2545},"k526",[],"If you're holding substantial assets at one brokerage, it's worth a quick check",[],{"_key":2548,"_type":143,"children":2549,"markDefs":2554,"style":1180},"k531",[2550],{"_key":2551,"_type":147,"marks":2552,"text":2553},"k530",[],"The bottom line",[],{"_key":2556,"_type":143,"children":2557,"markDefs":2562,"style":164},"k535",[2558],{"_key":2559,"_type":147,"marks":2560,"text":2561},"k534",[],"You don't need a finance degree to understand SIPC vs FDIC. You just need to know two things: what type of account you are using, and what framework protects it.",[],{"_key":2564,"_type":143,"children":2565,"markDefs":2570,"style":164},"k539",[2566],{"_key":2567,"_type":147,"marks":2568,"text":2569},"k538",[],"Bank deposits are FDIC. Brokerage assets are SIPC. If you are using both, both apply, on their own assets, under their own rules, up to their own limits. Neither one covers you against market losses. Both cover you against something arguably more dangerous: a financial institution failing and your money going with it.",[],{"_key":2572,"_type":143,"children":2573,"markDefs":2578,"style":164},"k543",[2574],{"_key":2575,"_type":147,"marks":2576,"text":2577},"k542",[],"For founders managing operating cash, corporate cards, and treasury products across borders, understanding this is part of building a financially sound business. Not just knowing where your money is, but knowing what happens to it if something goes wrong. Learn how to automate bookkeeping to keep everything streamlined as you scale.",[],{"_key":2580,"_type":143,"children":2581,"markDefs":2586,"style":164},"k547",[2582],{"_key":2583,"_type":147,"marks":2584,"text":2585},"k546",[],"The founders who build for the long term are the ones who ask these questions early. If you got this far, you are already ahead.",[],{"slug":499,"title":500},{"_type":839,"alternativeText":2589,"height":1126,"url":2590,"width":1128},"SIPC vs FDIC: What Founders Actually Need to Know About Protecting Their Money","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Fb901c92b518ef0895d1372c6a654e851\u002Fsipc-vs-fdic_cover.jpeg",[2592,2599,2607,2614,2620],{"_key":1176,"_type":143,"children":2593,"level":1224,"listItem":1633,"markDefs":2598,"style":164},[2594],{"_key":2595,"_type":147,"marks":2596,"text":2597},"k1",[],"FDIC covers deposit accounts at banks up to USD $250,000 per bank per ownership category.",[],{"_key":2600,"_type":143,"children":2601,"level":1224,"listItem":1633,"markDefs":2606,"style":164},"k5",[2602],{"_key":2603,"_type":147,"marks":2604,"text":2605},"k4",[],"SIPC covers your brokerage assets up to USD $500,000, including a $250,000 limit for uninvested cash, if a SIPC-member brokerage firm fails.",[],{"_key":2608,"_type":143,"children":2609,"level":1224,"listItem":1633,"markDefs":2613,"style":164},"k8",[2610],{"_key":1182,"_type":147,"marks":2611,"text":2612},[],"Neither protects you against market losses. Both only kick in when the financial institution itself fails.",[],{"_key":1190,"_type":143,"children":2615,"level":1224,"listItem":1633,"markDefs":2619,"style":164},[2616],{"_key":1193,"_type":147,"marks":2617,"text":2618},[],"Most founders are already using both without realizing it. A bank account is FDIC, a treasury product is SIPC.",[],{"_key":1201,"_type":143,"children":2621,"level":1224,"listItem":1633,"markDefs":2626,"style":164},[2622],{"_key":2623,"_type":147,"marks":2624,"text":2625},"k13",[],"Knowing which applies where is the difference between being protected and being caught off guard.",[],{"heading":14,"items":369},[2629,2635],{"_key":1176,"_type":143,"children":2630,"markDefs":2634,"style":164},[2631],{"_key":2595,"_type":147,"marks":2632,"text":2633},[],"As founders, one of the biggest mistakes people make is not understanding the difference between SIPC vs FDIC insurance, that literally could be the difference between recovering your business and losing funds entirely, in case a financial institution fails.",[],{"_key":2600,"_type":143,"children":2636,"markDefs":2640,"style":164},[2637],{"_key":2603,"_type":147,"marks":2638,"text":2639},[],"If you are running a business with a bank account, a corporate card, and a treasury or yield product, you are already operating across both types of protection. The problem is most founders don't know where one ends and the other begins, what's actually covered, or what happens when you go over the limits. 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