I have a Schwab account, and it sweeps cash into SCHWAB VALUE ADVANTAGE MONEY INVESTOR SHARES SWVXX. But this is not FDIC insured, though I believe the underlying investments Schwab buys in this fund generally are (correct me if I'm wrong, and I'm sure you will ;) That is, I think money markets are usually FDIC insured, but a fund of them may not be. Bottom line, I'm trying to understand, but also, it'd be great to find a way to sweep my cash into a cash-like fund that is FDIC insured and still get a money market like rate (about 4.5% right now for this SWVXX).