customer referral program

The Spiral Customer Referral Program lets existing Spiral customers refer friends to apply for a Spiral Deposit Account. From March 23, 2022 until September 30, 2022, when someone you referred uses your unique referral link to successfully open and fund a new Spiral checking account with $200 or more within 30 days of opening and both accounts are maintained in good standing for 90 days including but not limited to insufficient funds or returned deposit items, Spiral will credit your account $50. Bonus will be paid only on referred accounts opened prior to September 30, 2022. Spiral will credit your account for $50 within 30 days following the month in which the referred customer maintained the account for 90 days. Invitees can use a referral link to sign up. All current Spiral customers are eligible to participate in the program and refer friends. Referred friends must be new customers to Spiral and have never had a Spiral Checking account in the past. You can access your unique referral link by logging into your Spiral account and going to the referrals page. Your unique referral link is valid for an unlimited number of invitations. This program is void where prohibited. We may modify or terminate this program at any time. We may refuse to pay any bonus or recover any bonus if we determine that the referrer or referee has abused this offer or if the bonus was fraudulently obtained.

eligible charities (IRS)

Only charities the IRS recognizes as tax-exempt on <a href="https://apps.irs.gov/app/eos/">https://apps.irs.gov/app/eos</a> and not <a href="https://www.spiral.us/disclosures/ineligible/">disqualified</a> by Spiral.

FDIC insured

Any balances you hold with nbkc bank, including but not limited to those balances held in Spiral accounts are added together and are insured up to $5,000,000 per depositor through nbkc bank, Member FDIC, and through the use of a deposit network service comprised of other FDIC insured banks, as described below. Please note that if you have funds jointly owned, these funds would be separately insured for up to $5,000,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Spiral accounts may be placed into, and held beneficially in your name at, other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). 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 the funds in your Spiral account will be deposited at any single banking institution in the network. Balances in your accounts may be moved 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 of up to $5,000,000 per customer, in aggregate. Please be aware that your amount of FDIC insurance may be lower if the combination of any balances you maintain at a given network bank, plus any deposits from your Spiral account(s) held in the same network bank, exceed $250,000. For a complete list of other depository institutions where funds may be placed, please visit <a href="https://www.cambr.com/bank-list">https://www.cambr.com/bank-list</a>. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at <a href="https://www.fdic.gov/resources/deposit-insurance/">https://www.fdic.gov/resources/deposit-insurance</a>.

APY explanation

The Annual Percentage Yield (APY) on savings account balances is 1%. Interest rates are subject to change. This APY is current as of 8/1/2022. No minimum balance is required to obtain the 1% APY.

not a bank, banking provided by nbkc

Spiral is a financial technology company, not a bank. All deposit products and services provided by nbkc bank, Member FDIC

$150 donation matching

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 [<a href="https://www.spiral.us/disclosures/matching/">here</a>] 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.

no fees

As long as you make a deposit or withdrawal at least every 90 days. 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.

features coming soon

Mobile check deposit and bill payment are coming soon.

Interest rates are variable and subject to change at our discretion, at any time without prior notice. No minimum balance required. See the APY info [<a href="https://www.spiral.us/disclosures/apy/">here</a>] for current rates.

2 days early

Your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.

spiral debit card

The Spiral Visa Debit Card is issued by nbkc bank, Member FDIC.

Blog Category

Stories about using your money for good

Stories about using your money for good · Blog · Spiral

Dear Spiral Community,
We are excited to announce our integration with Q2's Digital Banking Platform. <a href="http://www.q2.com/">Q2 Holdings, Inc</a>. (NYSE: QTWO) is a leading provider of digital transformation solutions for banking and lending.
As part of the Q2 Partner Accelerator Program, financial institutions can purchase Spiral and offer its solution to their account holders through the Q2 Digital Banking platform, enabling customers to drive community and environmental impact through everyday purchases, round-up card transactions, monthly charitable giving subscriptions, and tax-deductible donor-advised funds.
The partnership is a significant step forward for Spiral as we aim to drive social impact and create a better world through innovation. Q2 has over 1,000 financial institution clients, representing over 30 million users across the United States.
The Q2 Partner Accelerator Program allows financial services companies to leverage the Q2 SDK and create standard technology integrations to the Q2 Digital Banking Platform. Spiral will offer Q2 customers a turnkey platform that allows them to increase customer and member engagement and retention by strengthening their ability to serve their communities while increasing revenues through higher spending and engagement.&nbsp;
"Competition is fierce, and banks and credit unions are looking for game-changer differentiators that will allow them to engage and expand their customer base," said Shawn Melamed, CEO and Co-founder of Spiral. "The Q2 Innovation Studio allowed us to develop a turnkey integration for Q2 customers that enables banks and credit unions to support their communities while increasing retention and attracting new generations of customers and members," he added. "We are delighted to be a part of Q2's vision to support innovative impact-driven banking experiences."
The Q2 Partner Accelerator Program allows financial services companies to leverage the Q2 SDK and create standard technology integrations to the Q2 Digital Banking Platform.&nbsp;
"We are excited to welcome Spiral to the Q2 Partner Accelerator program," said Johnny Ola, managing director of the Q2 Innovation Studio. "Financial institutions now have the ability to offer Spiral's community and sustainability products to engage and expand their customer base.&rdquo;
Spiral will attend Q2&rsquo;s <a href="https://connect.q2.com/">CONNECT 23</a> Conference in Austin, TX, on May 15-18. To schedule a meeting with Spiral while at the conference, please <a href="https://www.spiral.us/platform/signup">schedule a demo here.</a>&nbsp;
To learn more about the Q2 Innovation Studio Partner Accelerator Program, please click <a href="https://www.q2.com/innovation-studio-active-fi">here</a>.

Spiral teams up with Q2 to help financial institutions grow their deposits and engagement through impact.

Spiral Announces Integration With Q2's Digital Banking Platform

Helping others might just be the secret to living a life that is not only happier, but also healthier, wealthier, more productive, and more meaningful.&nbsp;
There are many ways that you can make a small impact on the world every single day. Volunteering for a cause you care about, recycling, and helping elderly or disabled people with everyday tasks are some great examples.&nbsp;
It&rsquo;s scientifically proven that making an impact makes us feel happy and results in a phenomenon known as the &ldquo;helper&rsquo;s high&rdquo;. This is the warm feeling of contentedness that follows an opportunity to lend a hand, donate money, or volunteer in a meaningful way. So, what if it was possible to achieve that sense of well-being on a daily basis? What if it was as simple as swiping your debit card or credit card to buy groceries, put gas in your car, or grab coffee with a friend?&nbsp;
Here at Spiral, we wanted to help people like you make an impact more frequently and in an easier way. That&rsquo;s what led us to develop Everyday Impact&trade;, a feature that allows you to easily achieve a positive impact when you shop. All you have to do is swipe your debit card or credit card at any restaurant, coffee shop, gas station, hotel, and more, and round up your transaction to&nbsp;make a donation to plant a tree, provide clean water, feed a child in need, or provide safe shelter to people in poverty. It&rsquo;s as easy as that. 
BECOME AN EVERYDAY HERO
We empower people to become everyday heroes by making an impact on communities around the world every time they make a purchase with their debit card. There&rsquo;s a whole suite of new services designed to help people make a social impact every day.&nbsp;
It&rsquo;s crazy to think that every single purchase you make can fight climate change, provide clean water, feed a hungry child, and provide safe shelter to people in need. But now it&rsquo;s possible&hellip;with Spiral.
HOW DOES EVERYDAY IMPACT&trade; WORK?
Here&rsquo;s how to make an impact with your purchases:
<ul>
<li>Just swipe your debit card or credit card at any restaurant, coffee shop, gas station, hotel, and more, round up automatically to the nearest dollar and use that money to support causes you care about</li>
<li>With every purchase, you can plant a tree, provide clean water, feed a child in need, and provide safe shelter for people in poverty</li>
<li>Track the social impact of your purchases at any given time</li>
<li>You can also get a weekly report of your social impact from your financial institute</li>
</ul>
&nbsp;
<figure class="wp-block-image size-large"><img class="wp-post-1952 wp-image-1957" src="https://res.cloudinary.com/spiral/images/w_750,h_600/v1656440898/wordpress-uploads/Blog-Image-4/Blog-Image-4.png?_i=AA" sizes="(max-width: 750px) 100vw, 750px" srcset="https://res.cloudinary.com/spiral/images/v1656440898/wordpress-uploads/Blog-Image-4/Blog-Image-4.png?_i=AA 1108w, https://res.cloudinary.com/spiral/images/v1656440898/wordpress-uploads/Blog-Image-4/Blog-Image-4.png?_i=AA 300w, https://res.cloudinary.com/spiral/images/v1656440898/wordpress-uploads/Blog-Image-4/Blog-Image-4.png?_i=AA 1024w, https://res.cloudinary.com/spiral/images/v1656440898/wordpress-uploads/Blog-Image-4/Blog-Image-4.png?_i=AA 768w" alt="" width="750" height="600" loading="lazy" data-public-id="wordpress-uploads/Blog-Image-4.png" data-attachment-id="1957" data-permalink="https://blogspiralus.wpcomstaging.com/2022/07/13/become-an-everyday-hero/blog-image-4/" data-orig-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/06/Blog-Image-4.png?fit=1108%2C886&amp;ssl=1" data-orig-size="1108,886" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Blog-Image-4" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/06/Blog-Image-4.png?fit=300%2C240&amp;ssl=1" data-large-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/06/Blog-Image-4.png?fit=750%2C600&amp;ssl=1" data-recalc-dims="1" data-format="png" data-transformations="" data-version="1656440898"></figure>
YOU SWIPE, AND WE HELP YOU TO DONATE&nbsp;
Category 1. When you use your debit card or credit card to pay your electric or gas bill, buy gas from the gas station, or spend on mass transit, we donate to Eden Reforestation Projects to plant trees. Planting trees helps to offset the carbon footprint of your purchase and also helps to fight climate change.&nbsp;
Category 2. When you use your debit card or credit card to buy coffee, tea, or juice, we donate to Evidence Action to provide a week of clean water for a person in need. This is life-changing for those who don&rsquo;t have immediate access to safe, clean drinking water.&nbsp;
Category 3. When you use your debit card or credit card to buy groceries or eat at a restaurant, we donate to the World Food Programme (WFP) to provide meals for children at school who are facing hunger. This incredible organization believes that in a world of plenty, hunger should be a thing of the past.&nbsp;
Category 4. When you use your debit card or credit card to pay for a hotel stay, we donate to GiveDirectly to send funds to people living in poverty. By simply traveling and paying for lodging, you can provide safe shelter to those in need.&nbsp;
If you&rsquo;d like further information about how we calculated the donation amounts for each category, <a href="https://www.spiral.us/disclosures/social-impact-rewards" target="_blank" rel="noreferrer noopener">click here.</a>&nbsp;
GIVING MADE SIMPLE
If you&rsquo;d like to take your impact even further and support causes and communities you care about, you can easily do so by using our round-up feature.
With every swipe of your card, you can round up automatically to the nearest dollar and use that money to support causes and local communities you care about. Every cent rounded up makes a difference every single day.
HOW DOES THE ROUND-UP FEATURE WORK?&nbsp;
<ul>
<li>Easily search and discover over 1 million charities across the U.S.</li>
<li>Activate round-up under &ldquo;Giving&rdquo; in the app&nbsp;</li>
<li>Choose to give monthly or as a one-time gift &ndash; you can switch anytime</li>
<li>Always be in control &ndash; pause, stop, or change your donation</li>
<li>Receive an end-of-year report of all your giving to help you with your tax return</li>
</ul>
<figure class="wp-block-image size-large"><img class="wp-post-1952 wp-image-1959" src="https://res.cloudinary.com/spiral/images/w_750,h_600/v1656440951/wordpress-uploads/Blog-Image-5/Blog-Image-5.png?_i=AA" sizes="(max-width: 750px) 100vw, 750px" srcset="https://res.cloudinary.com/spiral/images/v1656440951/wordpress-uploads/Blog-Image-5/Blog-Image-5.png?_i=AA 1108w, https://res.cloudinary.com/spiral/images/v1656440951/wordpress-uploads/Blog-Image-5/Blog-Image-5.png?_i=AA 300w, https://res.cloudinary.com/spiral/images/v1656440951/wordpress-uploads/Blog-Image-5/Blog-Image-5.png?_i=AA 1024w, https://res.cloudinary.com/spiral/images/v1656440951/wordpress-uploads/Blog-Image-5/Blog-Image-5.png?_i=AA 768w" alt="" width="750" height="600" loading="lazy" data-public-id="wordpress-uploads/Blog-Image-5.png" data-attachment-id="1959" data-permalink="https://blogspiralus.wpcomstaging.com/2022/07/13/become-an-everyday-hero/blog-image-5/" data-orig-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/06/Blog-Image-5.png?fit=1108%2C886&amp;ssl=1" data-orig-size="1108,886" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Blog-Image-5" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/06/Blog-Image-5.png?fit=300%2C240&amp;ssl=1" data-large-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/06/Blog-Image-5.png?fit=750%2C600&amp;ssl=1" data-recalc-dims="1" data-format="png" data-transformations="" data-version="1656440951"></figure>
TWO EASY WAYS TO MAKE AN IMPACT&nbsp;EVERY DAY
With Spiral, it&rsquo;s easier than ever to make an impact on both your community and the world. With the Everyday Impact&trade; feature, your purchases have the ability to change someone&rsquo;s life. If you want to take your impact even further, and support charities and causes you care about, you can opt to use our round-up feature and donate directly from your giving account. Whether you choose one or both options, you&rsquo;re well on your way to helping others and creating a life that&rsquo;s more meaningful. And that&rsquo;s what being an everyday hero is all about.

Helping others might just be the secret to living a life that is not only happier, but also healthier, wealthier, more productive, and more meaningful. Here at Spiral, we wanted to help people like you make an impact more frequently and in an easier way. That’s what led us to develop Instant Impact, a feature that allows you to easily make a difference and instantly view the impact you made after every purchase.

Product

Spiral Announces Integration With Q2's Digital Banking Platform

How Can You Become an Everyday Hero?

JOIN OUR COMMUNITY OF EVERYDAY HEROES

LEARN MORE

COMMUNITY

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