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The correct answer is this: Money that isn't in an FDIC insured account isn't "secure" in any meaningful way. You should take action to remove that money from your account and keep no more than a couple of times of the multiple of your transaction limit in the account.
Until the money is in your hand or in your REAL bank account, it is at risk... and certainly not earning you any more. If you like taking risks, bring the money in and open a stock trading account, and at least enjoy playing with it.
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