You can hold multiple accounts, with a combined total limit of $600,000 in starting balances. This allocation includes up to $400,000 in Challenge accounts and up to $200,000 in Instant Funding accounts.
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 $200,000 to $400,000), it still counts as $200,000 toward your limit since that was the starting balance.
Instant Funding program accounts
The maximum limit is $200,000 in total starting balance across all Instant Funding program accounts. This limit is separate from your Challenge accounts limit.
Examples:
✅ 5 × $40,000 accounts = $200,000
✅ 2 × $80,000 + 2 × $20,000 = $200,000
❌ 3 × $80,000 = $240,000 → 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.
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 accounts and $200,000 for Instant Funding.
