You can hold multiple accounts, with a combined total starting balance of up to $940,000 across all programs. This includes:
- Up to $400,000 in Challenge accounts
- Up to $240,000 in Instant Funding accounts
- Up to $300,000 in IF Micro accounts.
Each program has its own cap. They don’t overlap.
Challenge accounts
You can have as many Challenge accounts as you like—as long as their combined starting balances don’t exceed $400,000.
Examples:
✅ 2 × $200,000 accounts = $400,000
✅ 4 × $100,000 accounts = $400,000
✅ 2 × $100,000 + 4 × $50,000 = $400,000
❌ 5 × $100,000 = $500,000 → not allowed
If you scale an account (e.g., from $100,000 to $125,000), it still counts as $100,000 toward your limit since that was the starting balance.
Instant Funding program accounts
Same logic here: your total starting balance across Instant Funding accounts must stay at or below $240,000. This limit is separate from your Challenge accounts limit and IF Micro accounts limit.
Examples:
✅ 6 × $40,000 accounts = $240,000
✅ 2 × $120,000 = $240,000
❌ 4 × $80,000 = $320,000 → not allowed
If you scale an account (e.g., from $80,000 to $160,000), it still counts as $80,000 toward your limit since that was the starting balance.
IF Micro accounts
The maximum limit is $300,000 in total starting balance across all IF Micro accounts. This limit is separate from other program limits.
Examples:
✅ 6 × $50,000 accounts = $300,000
✅ 1 × $300,000 = $300,000
❌ 4 × $100,000 = $400,000 → not allowed
If you scale an account (e.g., from $100,000 to $125,000), it still counts as $100,000 toward your limit since that was the starting balance.
Managing Your Account Portfolio
You can:
- Combine different account sizes within each program
- Hold accounts in both Challenge and Instant Funding
Just be sure to keep each program’s starting balances within its maximum allocation—$400,000 for Challenge, $240,000 for Instant Funding accounts, and $300,000 for IF Micro accounts.
