We divide the deposits into $ 250,000 increments and spread them across the bank network so that the funds are always safe because the complete protection of the U . S . government backs them are ultimately protected , but the government or the regulators do not operate the banks . They can have state or federal charters . As a result , there are many banks in the country .
Currently , about 8,700 depository banks , including banks and credit unions , are in the U . S . Seventy-five percent of deposits are concentrated in the top 15 banks , and the remaining 8,685 are small .
So , EB-5 investors must understand that the banks they ' re dealing with in EB-5 are small and sometimes fail . However , there is a structure in the U . S . where the government will protect an investor ' s funds in case of bank failures by the Federal Deposit Insurance Corporation ( FDIC ) by backing deposits up to a limit of $ 250,000 for an individual depositor .
Investors should understand this and ask their projects and regional centers about how they are protecting investors ' funds .
Are EB-5 investors aware that the U . S . government protects funds up to $ 250,000 ?
More education needs to happen . Before RIA , this was something that nobody talked about , but there were many bank failures . Fortunately , no banks in
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