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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 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.

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