Only the cash investment an IRA holder transfers or rolls over to their account at Entrust is FDIC insured on amounts up to $5 million. The cash is placed in a non-interest bearing checking account as available cash to be directed to fund an investment the IRA holder chooses. Entrust does not offer any investments so Entrust also does not guarantee the investment chosen by the IRA holder. As a passive Custodian of IRAs, Entrust Trust Company a separate entity founded is regulated by the State of Tennessee where the Trust Company is chartered.