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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 May 31, 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 May 31, 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.

cash bonuses

To be eligible for cash bonuses, you must set up a recurring monthly deposit of $1,000 or more to your checking or savings account. Each month you can earn the cash bonus shown in the Cash Bonus Table [<a href="https://www.spiral.us/disclosures/apy/">here</a>] if the balance in your savings account during the month remains at or above the corresponding minimum balance. Spiral will credit all cash bonuses of up to $8.50 per month (up to $102 a year) to your savings account on the first day of the following month.

earn 15x more

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 April 18, 2022 based on a simple average of rates paid by all insured depository institutions and branches for which data are available). Visit <a href="https://www.fdic.gov/resources/bankers/national-rates/2021-09-20.html">https://www.fdic.gov/resources/bankers/national-rates/2021-09-20.html</a> to learn more.

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

$200 direct deposit bonus

Offer valid from January 1, 2022, through April 30, 2022, and is available when you have a Spiral consumer checking account. To qualify for the $200 bonus, new customers must make recurring direct deposits of at least $1,500 and complete 10 successful debit card purchases totaling $500 or more each month for two consecutive months within 90 days of opening the account. Existing customers who have not already received a direct deposit bonus and opened an account prior to January 1, 2022, must make recurring direct deposits of at least $1,500 and complete 10 successful debit card purchases totaling $500 or more each month for two consecutive months within 60 days of the end of the promotion. Once the offer conditions are met, Spiral will credit the bonus to your checking account no later than 30 days from the last day of the second consecutive month in which the recurring direct deposits were received. Offer is not available to customers who have received a direct deposit bonus. Limit one per customer. The checking account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. Purchases that are disputed or returned may cause the customer to become ineligible for the bonus. 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.

$25/$50 funding bonus

Offer valid from September 20, 2021, through April 30, 2022, 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 accounts), 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 April 30, 2022 (cumulative deposits totaling $100 will not qualify for the $25 bonus) and complete 5 successful debit card purchases totaling $100 or more each month for two consecutive months within 90 days of opening the account. To qualify for the $50 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 April 30, 2022 (cumulative deposits totaling $200 will not qualify for the $25 bonus) and complete 5 successful debit card purchases totaling $100 or more each month for two consecutive months within 90 days of opening the account. 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 30 days from the end of the month in which the qualifications were met. Checking accounts 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.

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.

$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.

FDIC insured

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: <a href="https://www.fdic.gov/resources/deposit-insurance/">https://www.fdic.gov/resources/deposit-insurance/</a>

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.

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Fully paid health insurance for you and your family