* Offer valid from September 20, 2021, through November 30, 2021, and is available when you have an existing Spiral consumer checking account and have never made a deposit or had a credit to the checking account before September 20, 2021 or for any new customer who opens a checking account on or after September 20, 2021. Offer is not available to customers who have previously made a deposit to their Spiral checking account (excluding micro-deposits to verify an external account), customers who made a deposit to their checking account in any amount but currently have a zero or negative balance, or customers who received a bonus on a previous checking account at any time. To qualify for the $25 checking bonus, checking customers must have an unfunded Spiral checking account (that is, no deposits or credits have been made to the checking account, except for micro-deposits to verify an external account) and make a single $100 deposit on or before November 30, 2021. To qualify for the $50 personal checking bonus, checking customers must have an unfunded Spiral checking account (that is, no deposits or credits have been made to the checking account, except for micro-deposits to verify an external account) and make a single $200 or more deposit on or before November 30, 2021. The $25 and $50 offers are not combined if you make a deposit of $200 or more. Once the offer criterion is met, the bonus will be credited to your checking account within 90 days from the date of deposit. Checking account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by Spiral, Spiral may deduct the bonus amount from the checking account before the checking account is closed. Spiral may issue you an IRS Form 1099-MISC or other appropriate forms reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. Spiral and nbkc bank employees are not eligible.
1 Balances held in Spiral accounts benefit from up to $5,000,000 of FDIC insurance per customer. This is possible because Spiral and nbkc bank arranged for your deposits to be spread across a network of FDIC insured banks, where no more than $250,000 of your funds in your Spiral account will be deposited at any single institution in the bank network. Balances in your accounts may be moved by nbkc bank to one or more network banks to increase the amount of FDIC insurance available to you. Once the funds arrive at the network banks, they are eligible for FDIC insurance per customer of up to $5,000,000 in aggregate. Please be aware that your amount of FDIC insurance may be lower if the combination of any balances you maintain at a network bank, plus any deposits from your Spiral account(s) held in the same network bank, exceed $250,000. Learn more at: https://www.fdic.gov/resources/deposit-insurance/
2 Only charities the IRS recognizes as tax-exempt on https://apps.irs.gov/app/eos/ and not disqualified by Spiral.
3 Spiral matches donations up to $150 per year when you make a minimum donation of $5 per year. If you set up a monthly direct deposit of payroll of at least $1,000 to your checking or savings account (or a recurring incoming transfer of at least $1,000 to your checking or savings account), Spiral will match your donations dollar for dollar up to the annual limits in the Donation Matching Table [here] depending on the amount of your monthly deposits. If at any time during the year you increase your direct deposit of payroll (or recurring incoming transfer) so that Spiral’s annual match would be higher, Spiral will match at the higher amount
4 Spiral will charge your account $7 per month (up to 6 months) if you do not make a deposit or withdrawal for 90 days. Interest posting is not considered a deposit for purposes of this fee.
5 When Spiral combines the actual bonus cash earned with the interest earned on a savings account that maintains a daily balance of $10,000 during the year using the national average interest percentage rate of 0.06% paid on savings accounts (determined by FDIC as of September, 20 2021 based on a simple average of rates paid by all insured depository institutions and branches for which data are available). Visit https://www.fdic.gov/resources/bankers/national-rates/2021-09-20.html to learn more.
6 Your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.
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