Best Answer: we make these all the time....regardless of if you put them in the fridge, freezer, or leave them out, they get soggy after about a day and a half....when they are left there sitting, the bottom will get kinda messy and its almost like the strawberry breaks down the chocolate.
All of your single accounts at the same insured bank are added together and the total is insured up to $250,000. For example, if you have a checking account and a CD at the same insured bank, and both accounts are in your name only, the two accounts are added together and the total is insured up to $250,000.
If it's in a money market account then it's definitely not insured. Paypal is not a bank, however Paypal's funds are held in FDIC insured banks. However, to my knowledge the limit is 100,000 per account insured and I'm guessing they have more than that in their accounts. So in short, the money is not directly FDIC insured.