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 https://www.cambr.com/bank-list. 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 https://www.fdic.gov/resources/deposit-insurance.