When you’re building your family through surrogacy or egg donation, making sure your funds are handled safely and transparently is a big deal. Escrow accounts protect everyone involved—but not all companies work the same way. Asking the right questions upfront can save you a lot of stress down the road.

Here’s what we recommend asking:

1. Insurance and Bonding

Ask what insurance and bonding they carry and make sure you can see the documentation. Some companies list coverage on their website, like professional liability or cyber protection policies, and show that funds are in FDIC-insured accounts. Having proof gives you peace of mind.

2. Who Handles Legal Agreements and Fund Releases

Find out who reviews contracts and approves payments—often it’s an attorney or CPA. Knowing that someone qualified is double-checking everything before money moves helps you feel confident that funds are handled correctly.

3. Internal Checks and Balances

Ask about their process for managing funds. Do they have multiple people approving releases? How do they prevent errors? A solid system here is key.

4. Banking and Account Setup

• How many banks hold the funds? Are the accounts individually FDIC-insured?
• Are the funds in separate trust accounts or pooled with others?

This tells you how protected your money is.

5. Security

With online access becoming standard, ask how they protect against fraud or unauthorized access—things like encryption, two-factor authentication, and other safeguards.

6. Audits

How often are accounts audited, and by whom? Regular audits show the company is serious about transparency and accountability.

7. Handling Disputes

Ask what happens if there’s a disagreement or discrepancy. Clear steps for resolving issues quickly keep everyone on the same page.

8. Reporting

Do they offer real-time or on-demand reporting for intended parents and agencies? Being able to see balances and transactions anytime builds trust and keeps things clear.

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Choosing an escrow company is a critical part of your egg donation or surrogacy journey. Ask these questions, review their processes, and make sure you feel confident in your choice!

Your funds and your peace of mind deserve it!