IRA: why would you put idle cash in an IB IRA? If you own stock you would not earn interest on it. If you have idle cash it probably should be with someone else since the IB IRA is designed for active traders. As for the cost of maintaining an IRA, I hear it is alot higher than you may think. mult accounts: I can't confirm 100% but from the info I rec'd today it looks like multiple accounts will be covered so you do not pay multiple exchange fees. I don't have more info at this time. I am recommending that an FAQ be put on the web site to answer these types of questions so we do not have to speculate on them here.