IB sweeps each participating client's free credit balances daily to one or more banks, up to $246,500 per bank, allowing for the accrual of interest and keeping within the FDIC protected threshold. Cash balances above $2,750,000 remain subject to safeguarding under the SEC's Customer Protection Rule 15c3-3, backed by the firm’s equity capital, which exceeds $6 billion.
It is the customer's responsibility to monitor the list of banks and to ensure that there are no conflicts in terms of FDIC coverage because of direct relationships with a particular bank i.e. customer has a separate account with a bank on the list and this puts the customer total funds with a bank over the FDIC insurance limit.
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portanto a IB reparte o dinheiro por diferentes contas