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Market: US

Country hub / United States

Best digital banks and financial apps in the United States.

The US market is not one product category. A licensed digital bank, a bank-partner fintech, a payment wallet, a business platform and a crypto exchange can all look like “money apps” on a phone while using different legal entities, partner institutions, protection models and payment rails. Start with the product type before comparing features.

Direct answer

There is no single best US money app.

Choose by the job. SoFi and Varo are the verified licensed-bank records in this fixture, but only SoFi has a current approved integrated crypto product. Wise is strongest for international transfer and multicurrency context. Bluevine and Airwallex are business-first options. Cash App and PayPal are payment platforms. Coinbase is a crypto exchange, not a bank. Revolut US is treated here as a partner-bank fintech because the cited terms point to Revolut Technologies Inc. and Lead Bank.

Personal banking-style accountSoFi or Varo, with Revolut considered only as a fintech/partner-bank app.
International transfersWise, with PayPal and Revolut useful only for narrower wallet or app flows.
Business operationsBluevine for US small-business checking style use; Airwallex for global operations.
Crypto funding or cash-outSoFi for an integrated bank path; Cash App, PayPal and Coinbase are non-bank paths.

Product classification

The same app-like surface can sit on very different rails.

The US guide separates product class before discussing recommendations, because protection and eligibility depend on the exact legal arrangement.

01

Licensed digital bank

A bank record is only used when the source identifies the bank entity. In this fixture, SoFi Bank, N.A. and Varo Bank, N.A. have current official bank evidence. SoFi's crypto account remains a separate, uninsured product despite being supplied by the bank.

02

Bank-partner fintech

Revolut US, Bluevine and some business platforms can involve bank partners without making the technology company itself a bank. The partner name matters, but it is not a universal guarantee for every feature or customer.

03

Wallet or payments platform

Cash App and PayPal are treated as payment platforms. Eligible cash arrangements, merchant features and crypto services must be separated instead of condensed into one “safe like a bank” claim.

04

Crypto exchange

Coinbase belongs in the crypto-exchange lane. SoFi, Cash App and PayPal expose crypto through different legal structures. In every case, digital assets are not ordinary bank deposits.

Verified US comparison

Change the lens, not the facts.

These controls reorder and highlight the same verified records. They do not change legal entity, product type, protection language or source dates.

Personal accounts: Emphasises consumer account structure, banking status and wallet caveats.

ProviderProduct typeUS statusLegal entityProtection modelEvidenceCompare
SoFiA nationally chartered bank record with checking, savings and a separately governed personal crypto account.licensed digital bank with opt in deposit network and separate crypto accountavailable with personal eligibility product and program conditionsSoFi Bank, N.A.Partner: Stable Custody Group II LLC (insured-deposit programme administrator); The Huntington National Bank (current insured-deposit programme custodian); SoFi Insured Deposit Program participating banks (allocation-specific and changeable)Licensed digital bank; deposit accounts and the uninsured crypto account remain separate products.SoFi Crypto and digital assets are not deposits and are not FDIC or SIPC insured.
12 source record(s)
SRC-SOFI-OCC-CHARTEROffice of the Comptroller of the CurrencyOCC conditionally approves SoFi Bank, National AssociationObserved 2026-07-13
  • The OCC approved SoFi Bank, N.A. as a full-service national bank and identified the acquired bank as FDIC insured.
  • The 2022 approval carried an initial crypto-activity condition; current crypto capability is established separately by SoFi Bank's May 2026 Crypto Account Agreement.
SRC-SOFI-CHECKINGSoFi BankSoFi Checking and SavingsObserved 2026-07-13
  • SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
  • Opening either the cited checking or savings account also opens the other account under the current product presentation.
  • The deposit product and its insurance treatment are separate from the SoFi Crypto Account, investments, loans and digital assets.
SRC-SOFI-CRYPTO-AGREEMENTSoFi BankSoFi Crypto Account AgreementObserved 2026-07-13
  • The agreement is with SoFi Bank, National Association and is effective 27 May 2026.
  • Eligible individuals may buy, sell and hold supported digital assets and may fund from a connected SoFi checking or savings account or another displayed method.
  • The SoFi Crypto Account is not a deposit or bank account; digital assets and supported stablecoins are not FDIC or SIPC insured.
  • The account is personal only, has no opening or monthly maintenance fee, and transaction fees or spreads are disclosed before authorisation.
SRC-SOFI-RATE-SHEETSoFi BankSoFi Bank Checking and Savings Rate SheetObserved 2026-07-13
  • The current PDF is effective 28 May 2026 and separates SoFi Plus tiered rates, rates with eligible direct deposit or USD 5,000 in qualifying deposits, and standard rates.
  • Checking APY is 0.50% in the cited tables; savings conditions and balance tiers differ by subscription, account ownership and qualifying activity.
  • Rates are variable, qualifying activity is assessed on a rolling 31-day basis and the customer's in-account APY details control.
SRC-SOFI-FEE-SHEETSoFi BankSoFi Bank Fee SheetObserved 2026-07-13
  • The current PDF is effective 18 May 2026 and lists zero monthly maintenance, minimum-balance, overdraft, inactive, checkbook, replacement-card and stop-payment fees.
  • It lists USD 30 for an outgoing domestic wire, 0.75% with USD 1 minimum and USD 30 maximum for outgoing Instant Transfers, and 0.50% for global remittance before applicable third-party costs.
  • Cash-deposit partners may charge up to USD 4.95 per deposit and out-of-network ATM operators may impose a fee.
SRC-SOFI-SIDP-TERMSSoFi BankSoFi Insured Deposit Program Terms and ConditionsObserved 2026-07-13
  • The terms are effective 2 December 2025 and describe an opt-in programme in which SoFi Bank acts as customer agent, Stable Custody Group II LLC administers placement and The Huntington National Bank is the current custodian bank.
  • Programme deposits can be allocated to participating banks subject to account-by-account opt-in, legal ownership category, external same-bank aggregation, allocation, records, timing, capacity and programme limits.
  • SoFi Bank says it cannot guarantee coverage of all balances in all circumstances; the customer must monitor outside balances at participating banks.
SRC-SOFI-TRANSACTION-LIMITSSoFi Help CenterSoFi Checking and Savings transaction limitsObserved 2026-07-13
  • SoFi says security limits vary with transaction type, amount, account age and activity.
  • The current public help page identifies a maximum USD 2,000 daily ATM withdrawal and USD 6,000 daily debit-card use.
  • These public maxima do not establish a guaranteed customer-specific limit or transaction approval.
SRC-SOFI-CASH-ACCESSSoFi Help CenterHow to withdraw and deposit money with SoFiObserved 2026-07-13
  • The current page identifies the Allpoint network for fee-free SoFi withdrawals and Green Dot retail locations for cash deposits.
  • Cash deposits are not accepted at non-Green-Dot locations or at ATMs.
  • The fee sheet separately states that a cash-deposit partner may charge up to USD 4.95 per deposit.
SRC-SOFI-DIRECT-DEPOSITSoFi Help CenterSoFi direct-deposit benefits and conditionsObserved 2026-07-13
  • The current page says there is no minimum eligible direct-deposit amount for the cited qualifying savings rate.
  • No-fee overdraft coverage has a separate USD 1,000 eligible-direct-deposit threshold and is limited to up to USD 50 of debit-card purchases.
  • Early-pay timing depends on when SoFi receives notice and is not guaranteed to be two days early.
SRC-SOFI-CONTACTSoFiSoFi customer support contacts and hoursObserved 2026-07-13
  • SoFi lists a 24/7 virtual assistant, with human-agent availability during published working hours.
  • Checking and Savings phone support is listed Monday through Thursday 5am to 7pm PT and Friday through Sunday 5am to 5pm PT.
  • NeobankDB has not tested queue time, resolution quality, complaint handling or availability.
SRC-SOFI-INSTANT-TRANSFERSoFi BankSoFi Instant TransfersObserved 2026-07-13
  • The page describes outgoing transfers from SoFi Checking and Savings to eligible linked accounts using FedNow, with incoming transfers separately priced at zero by SoFi.
  • The cited outgoing price is 0.75% with a USD 1 minimum and USD 30 maximum; eligible SoFi Plus subscribers receive a stated discount.
  • Eligibility, linked-bank support, customer limits, network availability and transaction review still apply.
SRC-SOFI-AGREEMENT-ACCESSSoFi Help CenterAccessing the SoFi Deposit Account AgreementObserved 2026-07-13
  • SoFi directs customers to retrieve the current Deposit Account Agreement after signing in through the Banking legal-agreements control.
  • The current full deposit agreement was therefore unavailable for anonymous public review.
  • The review must not infer unpublished eligibility, hold, closure, error-resolution or account-specific terms from marketing pages.
VaroApp-first personal checking and saving directly at a nationally chartered US digital bank.us chartered national digital bankavailable with us residency identity acceptance account product credit deposit and channel conditionsVaro Bank, N.A.No partner institution listed in this recordEligible deposits receive standard FDIC coverage directly at Varo Bank, N.A., subject to ownership-category aggregation.Believe, Advance and Line of Credit are separate secured-card or lending products; FDIC insurance does not protect credit access or outcomes.
6 source record(s)
SRC-VARO-OCC-CHARTEROffice of the Comptroller of the CurrencyOCC presents Varo Bank its national bank charterObserved 2026-07-12
  • The OCC presented Varo Bank, N.A. a full-service national bank charter and states the bank opened on 1 August 2020.
  • The charter establishes direct national-bank status rather than a partner-bank fintech arrangement.
  • A charter does not make every credit product, app feature, rate, fee or customer outcome a deposit fact.
SRC-VARO-BANK-AGREEMENTVaro Bank, N.A.Varo Bank Account AgreementObserved 2026-07-12
  • The February 2026 agreement governs a personal checkless demand deposit account directly at Varo Bank, N.A., Member FDIC.
  • It separately governs eligibility, account ownership, overdrafts, deposits, transfers, debit cards, cash access, fees, holds, foreign-currency transactions and closures.
  • Business use, joint ownership, secondary cards and optional products require separate treatment.
SRC-VARO-BANK-ACCOUNTVaro Bank, N.A.Varo online bank accountObserved 2026-07-12
  • Varo lists no monthly, minimum-balance, account or overdraft fee for the cited personal bank account.
  • The page lists more than 40,000 Allpoint ATMs, free qualifying CVS cash deposits and a $3.50 out-of-network or international ATM fee plus possible operator fees.
  • Early direct deposit, cashback, cash deposits, Advance and other optional services retain eligibility, timing, limit and fee conditions.
SRC-VARO-ELIGIBILITYVaro SupportApplying for a Varo Bank AccountObserved 2026-07-12
  • Applicants need a supported device, active email, identity verification, age 18 or older and US citizenship or permanent residence at a physical address in the 50 states or District of Columbia.
  • Only one individually owned bank account is allowed; joint, secondary debit-card and business accounts are not supported.
  • Approval can take up to three business days and optional Savings, Believe or Advance accounts have further qualifications.
SRC-VARO-SAVINGSVaro Bank, N.A.Varo online savings accountObserved 2026-07-12
  • The variable APYs accurate 1 July 2026 are 1.00% generally and 3.75% on the first $5,000 for the following month when the cited $1,000 qualifying direct-deposit and positive-balance conditions are met.
  • Balances above $5,000 remain at 1.00% under the cited elevated programme, and rates can change at any time.
  • The savings account requires a Varo Bank Account and has no monthly, annual or minimum-balance fee under the cited page.
SRC-FDIC-DEPOSIT-INSURANCEFederal Deposit Insurance CorporationUnderstanding deposit insuranceObserved 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
ChimeUS personal checking with app-first ACH, debit-card and conditional savings or direct-deposit features.us banking fintech partner bank deposit platformavailable with us residency identity acceptance issuer product direct deposit and state conditionsChime Financial, Inc. as platform; The Bancorp Bank, N.A. or Stride Bank, N.A. as account bankPartner: The Bancorp Bank, N.A.; Stride Bank, N.A.Banking fintech with eligible deposits at The Bancorp Bank, N.A. or Stride Bank, N.A. subject to FDIC pass-through conditions.Chime is not a bank; the exact account bank, product, ownership category and pass-through conditions control protection.
7 source record(s)
SRC-CHIME-SEC-10KUS Securities and Exchange CommissionChime Financial 2025 annual reportObserved 2026-07-12
  • Chime Financial, Inc. identifies itself as a financial technology company, not a bank, and names The Bancorp Bank, N.A. and Stride Bank, N.A. as bank partners.
  • The filing describes checking deposits held through bank-partner omnibus accounts and savings funds placed through a community deposit sweep programme.
  • Chime states that pass-through FDIC coverage depends on conditions and is not determined by the FDIC in advance of a bank failure.
SRC-CHIME-BANCORP-CHECKINGThe Bancorp Bank, N.A. and ChimeThe Bancorp Bank Chime deposit account agreementObserved 2026-07-12
  • The February 2026 agreement makes The Bancorp Bank, N.A. the FDIC-member bank and Chime Financial, Inc. the programme partner for the personal checking account.
  • It requires adult US legal residency, Social Security number verification, electronic delivery and bank acceptance and excludes business use and joint ownership.
  • The agreement separately governs cards, ACH, cash access, SpotMe eligibility, transaction limits, holds, fees and closures.
SRC-CHIME-STRIDE-CHECKINGStride Bank, N.A. and ChimeStride Bank Chime deposit account agreementObserved 2026-07-12
  • The February 2026 agreement makes Stride Bank, N.A. the FDIC-member bank and Chime Financial, Inc. the programme partner for the personal checking account.
  • It documents pooled account treatment, a personal checkless account, virtual and physical debit cards, ACH and separate savings or secured-card products.
  • Issuer, limits, fees and feature availability must be resolved from the member's exact agreement and in-app state.
SRC-CHIME-CHECKINGChimeChime checking account and fee scheduleObserved 2026-07-12
  • Chime lists no monthly service, minimum-balance or overdraft fee for the checking account and a $2.50 out-of-network ATM or OTC withdrawal fee, with operator fees possible.
  • SpotMe, MyPay, cash deposits, membership status, card use and other optional services retain eligibility, limit, state, timing and fee conditions.
  • The page states Chime is not a bank and that the partner bank, not Chime, is the FDIC member.
SRC-CHIME-ELIGIBILITYChime Help CenterHow to open a Chime accountObserved 2026-07-12
  • The help page requires a valid Social Security number, US mobile number, age 18 or older, US citizenship or legal residence and a recognised US residential address.
  • Identity verification and requested documents can control acceptance; only one checking account per person is allowed.
  • The page states joint, business and secondary-card accounts are unavailable and that checking application does not use a credit check.
SRC-FDIC-DEPOSIT-INSURANCEFederal Deposit Insurance CorporationUnderstanding deposit insuranceObserved 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
SRC-FDIC-PASS-THROUGHFederal Deposit Insurance CorporationPass-through deposit insurance coverageObserved 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
RevolutPersonal spending and multicurrency app use where the US partner-bank model is acceptable.banking fintechavailableRevolut Technologies Inc.Partner: Lead BankBank-partner fintech arrangement; not listed here as a licensed bank.The cited US terms point to Revolut Technologies Inc. and Lead Bank programme roles.
2 source record(s)
SRC-REVOLUT-US-TERMSRevolutRevolut Personal Terms — United StatesObserved 2026-07-11
  • Version dated 28 April 2026.
  • Agreement is with Revolut Technologies Inc.
  • Banking services and cards are provided/issued by Lead Bank under the stated programme.
  • Account is associated with a prepaid card.
SRC-REVOLUT-US-HOLDING-CURRENCIESRevolut Technologies Inc.Revolut United States supported currencies for holdingObserved 2026-07-13
  • Revolut's current US help page lists 25 currencies that can be opened, held and exchanged in separate currency balances.
  • Unsupported holding currencies can still be used for card payments or withdrawals through transaction-time conversion, which is not a held balance or local receiving detail.
  • The page identifies Revolut Technologies Inc. as programme manager and Lead Bank as the prepaid-card banking-services provider; exact FDIC treatment follows the cited programme terms.
Cash AppWallet payments and personal virtual-currency activity with conditional partner-bank treatment for eligible cash only.payment wallet with conditional bank program card brokerage credit and virtual currency servicesavailable with identity state product and program conditionsBlock, Inc.Partner: Wells Fargo Bank, N.A.; Sutton Bank; The Bancorp Bank, N.A.Financial platform with separate wallet, partner-bank and virtual-currency arrangements.Cash App is not a bank, and Bitcoin or other virtual-currency holdings are not FDIC or SIPC insured.
9 source record(s)
SRC-CASH-APP-US-TERMSCash AppCash App United States Terms of ServiceObserved 2026-07-13
  • The agreement is with Block, Inc. and describes Cash App as a financial platform, not an FDIC-insured bank.
  • Eligible cash and savings balances may receive conditional pass-through insurance through Wells Fargo, Sutton and/or The Bancorp when Card or Sponsored Account conditions and FDIC requirements are met; pending, Bitcoin and investing balances are excluded.
  • Personal virtual-currency services require an eligible US-resident individual and may vary by state, territory, account and feature.
  • The terms list a USD 1 Paper Money Deposit fee after 29 June 2026, conditional Cash App Green benefits, risk-based limits, free-overdraft conditions and account error-resolution channels.
SRC-CASH-APP-CRYPTO-DISCLOSURESCash AppCash App Bitcoin and Stablecoin DisclosuresObserved 2026-07-13
  • Block, Inc. provides Cash App virtual-currency services, with availability and licensing varying by state or territory.
  • Virtual-currency holdings are not protected by FDIC or SIPC and transactions can be irreversible.
  • Applicable purchase, sale, conversion and network fees are displayed at or before the order rather than treated as one universal rate.
SRC-CASH-APP-SAVINGSCash AppCash App Savings Terms of ServiceObserved 2026-07-13
  • The terms were last updated 19 February 2026 and identify Block, Inc. as the Savings feature provider.
  • Savings is separately tracked from Cash App Balance, held by Block with a partner bank in pooled accounts for customers, and must move back to Cash App Balance before spending or ATM withdrawal.
  • Savings Yield has Card or Sponsored Account, tax-form, eligibility and variable-rate conditions; a negative Cash App Balance can be offset from Savings Balance.
SRC-CASH-APP-CARD-AGREEMENTCash App and Sutton BankCash App Prepaid Card Program AgreementObserved 2026-07-13
  • The current agreement lists zero monthly and purchase fees, a 3% foreign-transaction fee, a USD 2.50 ATM withdrawal fee and separate card-replacement pricing before applicable waivers.
  • Cash App Green fee benefits depend on USD 500 of qualifying purchases or USD 300 of qualifying payroll deposits in the relevant month and can change.
  • Card disputes, unauthorised-transaction reporting, merchant, ATM, network and account limits remain governed by the agreement and live account state.
SRC-CASH-APP-CARDCash AppCash App CardObserved 2026-07-13
  • Cash App describes a USD 2.50 ATM fee before operator charges and more than 40,000 in-network ATMs for qualifying Cash App Green customers.
  • Green status uses current qualifying-spend or qualifying-payroll-deposit activity; benefits are not permanent account entitlements.
  • Card spending depends on available Cash App Balance unless eligible overdraft coverage is enabled.
SRC-CASH-APP-SAVINGS-RATECash AppCash App Savings interest-rate guideObserved 2026-07-13
  • The 1 May 2026 guide lists a 1.5% base APY with a Cash App Card and 3.25% with qualifying Cash App Green status.
  • The higher rate currently depends on USD 300 or more in qualifying direct deposits or USD 500 or more in qualifying Card or Cash App Pay spending each month.
  • Rates are variable, eligibility and tax-document conditions apply, and the live Savings display controls.
SRC-CASH-APP-INVESTINGCash App Investing LLCCash App Investing Customer Account AgreementObserved 2026-07-13
  • The agreement was last updated 12 February 2026 and identifies Cash App Investing LLC as an SEC-registered broker-dealer and FINRA/SIPC member.
  • DriveWealth LLC or Apex Clearing Corporation can execute, clear, settle and custody brokerage assets during a phased migration; a customer may temporarily have positions at both.
  • The trade screen, confirmation and statement identify the relevant carrying broker; brokerage assets, cash balances, Bitcoin and bank deposits retain different protection systems.
SRC-CASH-APP-BORROWFirst Electronic Bank and BlockCash App Borrow Loan AgreementObserved 2026-07-13
  • The December 2024 agreement identifies First Electronic Bank as originator and issuer and Block and Square Capital in servicing roles.
  • Borrow is separately underwritten closed-end credit with transaction-time Truth in Lending disclosures, finance charge, due date and possible overdue consequences.
  • Availability, amount, state, credit review and repayment are not Cash App Balance or Savings features and are not guaranteed by Green status.
SRC-FDIC-PASS-THROUGHFederal Deposit Insurance CorporationPass-through deposit insurance coverageObserved 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
WiseInternational transfers and multicurrency balances with transparent country-scoped regulation.money transmitter and multicurrency accountavailable with business eligibilityWise US Inc.Partner: Community Federal Savings Bank in specified states/territoriesMoney transmitter and multicurrency account with country-specific safeguarding.Wise describes safeguarding rather than ordinary bank-deposit treatment.
13 source record(s)
SRC-WISE-SAFEGUARDINGWiseHow Wise keeps your money safeObserved 2026-07-11
  • Wise says it safeguards customer money and does not lend it like a bank.
  • Arrangements vary by country.
SRC-WISE-US-BUSINESSWiseWise Business United StatesObserved 2026-07-12
  • Wise Business supports international payments, multi-currency receiving details, cards and team controls for eligible US businesses.
  • The page lists a one-time USD 31 fee to unlock business account details.
  • Wise is not an FDIC-insured bank; only eligible USD funds opted into the interest feature can receive conditional pass-through coverage through a Program Bank.
SRC-WISE-US-BUSINESS-PRICINGWiseWise Business US receiving feesObserved 2026-07-12
  • The US pricing page lists USD 31 to unlock local account details in supported currencies.
  • It lists domestic non-wire receipts as free and USD wire or SWIFT receipts at USD 6.11 per payment.
  • Conversion, sending, card and other method-specific fees remain separate.
SRC-WISE-US-BUSINESS-ELIGIBILITYWiseVerify a US business with WiseObserved 2026-07-12
  • Wise requests business registration, tax, physical trading address, activity, controller and 25-percent-or-more owner details.
  • The page states that businesses from Nevada and specified US territories cannot be onboarded due to licensing limitations.
  • Verification requirements can vary by entity and do not guarantee approval.
SRC-WISE-US-PROTECTIONWiseHow Wise US Inc. protects customer fundsObserved 2026-07-12
  • Wise US Inc. keeps customer funds separate in a mix of cash at commercial banks and secure liquid assets.
  • Wise is not a bank and ordinary balances without the interest feature are not FDIC insured.
  • Eligible USD funds opted into the interest feature may receive up to USD 250,000 in pass-through insurance through the current Program Bank, subject to aggregation and programme rules.
SRC-WISE-US-BUSINESS-CARDWiseWise Business card pricing in the United StatesObserved 2026-07-12
  • Wise lists the first US business card without a subscription fee and additional team cards at a USD 5 one-time charge per card.
  • The schedule lists no Wise ATM fee up to USD 250 withdrawn per calendar month, then USD 1.95 plus 1.95 percent per withdrawal; ATM operators may add fees.
  • Card availability, limits, merchant treatment and conversion charges remain customer- and transaction-specific.
SRC-WISE-BUSINESS-BATCHWiseWise Business batch paymentsObserved 2026-07-12
  • Verified Wise Business accounts can upload CSV or XLSX templates for batches of up to 1,000 payments.
  • Authorised team members can prepare batches, with configured approval requirements applying before release.
  • Batch availability, recipient details, funding, fees and timing remain subject to market and route conditions.
SRC-WISE-BUSINESS-TEAMWiseWise Business team members and payment approvalsObserved 2026-07-12
  • Wise Business owners or authorised users can invite team members and assign account, transfer and card permissions.
  • Card spending limits and one- or two-person payment approvals can be attached to eligible team-member actions.
  • Permissions support separation of duties but do not guarantee fraud prevention, payment acceptance or uninterrupted access.
SRC-WISE-US-QUICKBOOKSWiseWise Business QuickBooks integration in the United StatesObserved 2026-07-12
  • Wise documents supported currency-transaction feeds, bill payment and reconciliation through its QuickBooks connection.
  • The user selects currencies and grants data-sharing consent; region and third-party connection conditions can apply.
  • The integration does not prove every accounting object, historic record or workflow synchronises.
SRC-WISE-US-ACCEPTABLE-USEWiseWise Acceptable Use Policy — United StatesObserved 2026-07-12
  • The United States policy was last updated on 25 March 2026 and applies when a customer accesses or uses Wise services.
  • Wise lists companies involved in cryptocurrency exchange or trading, including payments intended to purchase cryptocurrency, among unsupported businesses and transactions.
  • The restriction does not apply automatically to lawful Wise Multi-Currency Card transactions; the applicable card supplement remains a separate evidence gate.
  • Wise may decline restricted transactions, suspend or cancel payment orders, or withdraw service access.
SRC-WISE-US-PERSONAL-MULTICURRENCYWise US Inc.Wise personal multicurrency account in the United StatesObserved 2026-07-13
  • Wise's United States page says eligible personal customers can hold 40 currencies and receive with account details for 20 currencies, subject to the current product flow.
  • The linked card can spend in additional currencies through conversion, which must not be presented as every spend currency being a held balance or local receiving detail.
  • Wise is not a bank; ordinary balances and the optional USD interest programme retain different safeguarding and conditional pass-through-insurance treatment.
SRC-WISE-US-HOLD-FEESWise US Inc.Wise United States fees for holding and converting currenciesObserved 2026-07-13
  • The observed United States pricing page says holding more than 40 supported currencies is free.
  • Conversion uses the displayed exchange rate plus a currency- and transaction-specific fee, so free holding does not mean free conversion, receiving, sending or card use.
  • Supported currencies, account details, adding methods, limits and optional interest remain separate product conditions.
PayPalWallet payments, merchant checkout, PayPal-linked transfer actions and online spending.payment wallet with separate balance card savings and crypto productsavailable with personal business and product conditionsPayPal, Inc.Partner: Program Banks for eligible balance arrangements; Synchrony Bank for PayPal Savings; The Bancorp Bank, N.A. for the personal debit cardPayment wallet; eligible balances may have conditional programme-bank treatment.PayPal states it is not a bank, and crypto is not a bank deposit.
11 source record(s)
SRC-PAYPAL-US-AGREEMENTPayPalPayPal US User AgreementObserved 2026-07-13
  • The agreement is with PayPal, Inc., applies to US accounts and was last updated on 29 June 2026.
  • A business must be organised in, operating in or resident in the United States or a territory, and business activity requires a business account.
  • Ordinary business-account balances are unsecured claims against PayPal; PayPal is not a bank and is not FDIC insured.
  • A narrow Program Bank arrangement can apply when an enumerated programme condition is met; it is not a general business-balance protection claim.
  • The agreement separates free standard transfer to an eligible linked bank or debit card from fee-bearing Instant Transfer to an eligible linked bank or debit card for personal and business accounts.
SRC-PAYPAL-US-BUSINESS-FEESPayPalPayPal US merchant feesObserved 2026-07-13
  • The fee schedule applies to US accounts and was last updated on 29 June 2026.
  • Standard domestic PayPal Checkout is listed at 3.49 percent plus the fixed fee, while standard card payments are listed at 2.99 percent plus the fixed fee.
  • International, invoicing, alternative-method, conversion and other product fees use separate rows and conditions.
  • The current withdrawal table lists standard eligible bank or card transfer with no PayPal fee when no conversion occurs and Instant Transfer at 1.50 percent with a USD 0.50 minimum; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure.
SRC-PAYPAL-US-BALANCE-TERMSPayPalPayPal Balance Terms and ConditionsObserved 2026-07-12
  • PayPal Balance is provided by PayPal, Inc.; PayPal is not a bank and is not FDIC insured.
  • Ordinary Balance funds are unsecured claims against PayPal unless an enumerated PayPal Debit Card, Direct Deposit or personal cryptocurrency condition applies.
  • Eligible US-dollar balances are placed at Program Banks for conditional pass-through FDIC treatment; the protection is against Program Bank failure, is subject to aggregation and regulatory conditions, and does not protect cryptocurrency or PayPal failure.
SRC-PAYPAL-US-PROGRAM-BANKSPayPalPayPal Program BanksObserved 2026-07-12
  • The current list names Goldman Sachs Bank USA, Wells Fargo Bank, N.A. and JPMorgan Chase Bank, N.A. as Program Banks.
  • PayPal lists the exact personal and business conditions that make eligible US-dollar balance funds subject to possible pass-through FDIC insurance.
  • Other balance funds and all cryptocurrency are excluded from the stated Program Bank treatment.
SRC-PAYPAL-US-CONSUMER-FEESPayPalPayPal United States consumer feesObserved 2026-07-13
  • The schedule was last updated on 19 May 2025 and applies to US accounts.
  • It lists no PayPal fee for purchases without conversion, no fee for domestic personal payments funded by balance or bank, and 2.90 percent plus a fixed fee when funded by card.
  • It lists a 1.75 percent Instant Transfer fee with observed USD 0.25 minimum and USD 25 maximum, a 4 percent conversion spread for specified payment conversions and separate crypto fees and limits.
  • The current withdrawal table lists standard transfer to an eligible linked bank or debit card with no PayPal fee when no conversion occurs; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure.
SRC-PAYPAL-US-BALANCE-WITHDRAWALPayPalWithdraw funds from a PayPal accountObserved 2026-07-13
  • PayPal documents separate withdrawal from an eligible PayPal balance to a linked bank account or eligible debit card after money reaches PayPal.
  • The observed page lists standard bank transfer as typically one to three business days without a PayPal fee and Instant Transfer as typically within minutes with a fee, while bank processing, review, weekends and holidays can delay either path.
  • Failed bank withdrawals can return to PayPal and may incur a return fee; this downstream PayPal withdrawal is separate from Coinbase's preceding cash-out instruction.
SRC-PAYPAL-US-BANK-LINKINGPayPalPayPal requirements for linking a US bank accountObserved 2026-07-13
  • PayPal says the linked account must be with a United States bank and the bank-account name must match the PayPal-account name.
  • PayPal also lists account-link count limits, prior linkage, account limitations, negative balance, bank compatibility and failed confirmation as possible reasons linking is unavailable.
  • A bank's existence or ability to receive ACH does not prove that PayPal will offer it as a withdrawal destination.
SRC-PAYPAL-US-WITHDRAWAL-REVIEWPayPalPayPal withdrawal review guidanceObserved 2026-07-13
  • PayPal says withdrawals are automatically reviewed and some can be held for up to 72 hours because of account activity, network, verification, limitation or destination-detail factors.
  • After review, a completed status begins the ordinary transfer timeframe; review time is not included in a minutes or one-to-three-business-day headline.
  • PayPal communicates review updates by email and says a withdrawal cannot be cancelled during the review.
SRC-PAYPAL-US-DEBIT-CARDPayPal and The Bancorp BankPayPal Debit Mastercard Cardholder AgreementObserved 2026-07-12
  • The agreement was last updated on 26 January 2026 and identifies The Bancorp Bank, N.A. as card issuer.
  • The card is a personal debit card linked to PayPal Balance, not a credit card and not for business use.
  • Card error and unauthorised-transaction protections are subject to the agreement's notice and eligibility requirements.
SRC-PAYPAL-US-SAVINGSPayPal and Synchrony BankPayPal SavingsObserved 2026-07-12
  • PayPal Savings is a personal deposit account provided by Synchrony Bank, Member FDIC; PayPal itself is not a bank.
  • A PayPal Balance account is required, and transfers into or out of Savings pass through PayPal Balance.
  • The page showed a 3.30 percent variable APY as of 16 June 2026; the rate can change and the FDIC limit aggregates eligible ownership-category funds held at Synchrony Bank.
SRC-PAYPAL-US-CRYPTO-TERMSPayPal DigitalPayPal Digital cryptocurrency terms and conditionsObserved 2026-07-12
  • The current terms, last updated 19 May 2026, are with PayPal Digital, Inc., a New York limited purpose trust company.
  • Eligible consumer and business crypto accounts may buy, sell, hold, send and receive supported crypto assets through a linked PayPal or eligible Venmo account.
  • Crypto assets are not FDIC or SIPC insured and product features may vary by location and linked-account type.
AirwallexUS businesses that need global accounts, collections, cards and platform payment workflows.business finance platformavailable with restrictionsAirwallex US, LLCPartner: Evolve Bank & Trust for some customers; Community Federal Savings Bank for Borderless CardBusiness finance platform with specified banking partners for some US customers.Not a consumer checking account and not presented here as a bank.
9 source record(s)
SRC-AIRWALLEX-USAirwallexAirwallex US Business AccountObserved 2026-07-12
  • The US business account is for global payments, multicurrency funds, cards and expense workflows rather than consumer checking.
  • Airwallex US, LLC is registered as an MSB with FinCEN.
  • The product page's Grow-plan FAQ conflicts with the dedicated pricing page, so current plan cost must be confirmed from the live pricing flow.
SRC-AIRWALLEX-US-PRICINGAirwallexAirwallex US plans and pricingObserved 2026-07-12
  • The dedicated pricing page lists Explore at USD 0 per user per month, Grow at USD 12 per user per month plus a team-size platform fee, and Accelerate as custom pricing.
  • FX, SWIFT, payment-processing and other transaction fees remain separate.
  • The Grow presentation conflicts with the business-account FAQ, so NeobankDB does not present one uncontested Grow total.
SRC-AIRWALLEX-US-ELIGIBILITYAirwallexAirwallex documents required for US companiesObserved 2026-07-12
  • US-company onboarding can require tax ID evidence, formation documents, business evidence and beneficial-owner or controller identity information.
  • Sole proprietors and higher-risk business models have separate documentation requirements.
  • Documentation requirements establish an application path, not guaranteed approval.
SRC-AIRWALLEX-US-LICENCESAirwallexAirwallex US state licencesObserved 2026-07-12
  • Airwallex US, LLC identifies itself as licensed or authorised as a money transmitter in listed states.
  • Some US customers use Evolve Bank & Trust for payment services, while the Borderless Card is issued by Community Federal Savings Bank.
  • Partner-bank membership must not be rewritten as Airwallex itself being an FDIC-insured bank.
SRC-AIRWALLEX-US-BUSINESS-ACCOUNTAirwallexAirwallex United States Business AccountObserved 2026-07-12
  • Airwallex describes a US business-only global account for multi-currency collection, conversion, transfers, corporate cards and accounting integrations.
  • The page says a business can enrol in the Explore plan without an account-opening charge; transaction and product fees remain separate.
  • Global coverage statements do not prove every customer, currency, rail, local detail or recipient is eligible.
SRC-AIRWALLEX-US-PROTECTIONAirwallexHow Airwallex protects United States customer fundsObserved 2026-07-12
  • Evolve Bank & Trust, Member FDIC, provides payment services to certain US-based Airwallex customers.
  • Airwallex says eligible customer funds at Evolve are held in an omnibus account for customers' benefit and are intended to remain eligible for pass-through insurance to the extent permitted by law.
  • Airwallex itself is not a bank; customer eligibility, placement, ownership records, aggregation and FDIC requirements must not be replaced by a blanket insured-balance claim.
SRC-AIRWALLEX-US-CARDSAirwallexAirwallex United States corporate cardsObserved 2026-07-12
  • Airwallex describes virtual company and employee cards plus eligible physical employee cards, with card, category and time-period controls.
  • The page states that cards draw from the multi-currency balance and lists no foreign transaction fee when spending an available currency balance; conversion can still apply when the currency is not held.
  • Card availability, issuer, controls, rewards and limits remain customer- and programme-specific.
SRC-AIRWALLEX-US-PAYMENTSAirwallexAirwallex United States payment acceptanceObserved 2026-07-12
  • The US payment page lists domestic card acceptance at 2.80 percent plus USD 0.30 and international cards at 4.30 percent plus USD 0.30.
  • It lists local payment methods at USD 0.30 plus the method fee and describes platform and marketplace payment integrations.
  • Acceptance, settlement, disputes, conversion and method-specific conditions remain separate from the Business Account transfer price.
SRC-AIRWALLEX-US-GLOBAL-ACCOUNTSAirwallex US, LLCAirwallex United States Global AccountsObserved 2026-07-13
  • Airwallex describes business-only Global Accounts with local details in more than 20 currencies and receiving coverage across more than 70 countries, subject to eligibility and live coverage.
  • Received funds can be held in the Airwallex wallet, converted, spent or paid out; a local account detail is a collection route rather than proof of a separate bank deposit in every market.
  • Airwallex US, LLC remains a money transmitter, while eligible pass-through treatment for some US customer funds depends on the exact Evolve programme and legal conditions.
BluevineQualified US-registered small businesses that want a fintech business checking interface.business banking fintechavailable with eligibilityBluevine Inc.Partner: Coastal Community Bank; program banksBusiness banking fintech using Coastal Community Bank and programme-bank arrangements.Bluevine states that it is a financial technology company, not a bank.
16 source record(s)
SRC-BLUEVINE-USBluevineBluevine Business CheckingObserved 2026-07-12
  • Bluevine says it is a financial technology company, not a bank.
  • Banking services are provided by Coastal Community Bank, Member FDIC.
  • The current page lists Standard with no monthly fee, Plus at USD 30 per month and Premier at USD 95 per month, with separate waiver and interest conditions.
  • Bluevine describes up to USD 3 million in FDIC insurance through Coastal Community Bank and program banks; this depends on pass-through, sweep and aggregation rules.
SRC-BLUEVINE-US-ELIGIBILITYBluevineApply for Bluevine Business CheckingObserved 2026-07-12
  • Applicants must be at least 18, own or represent a US-registered business and pass identity verification.
  • Supported entity types, owner countries and industries vary; applications remain subject to approval.
  • The process requests business, controller and 25-percent-or-more owner information and may require additional documents.
SRC-BLUEVINE-US-AGREEMENTCoastal Community Bank and BluevineBluevine Business Checking Deposit Account AgreementObserved 2026-07-12
  • The agreement is effective 12 February 2026 and identifies Coastal Community Bank as the bank making the account and debit card available on behalf of Bluevine Inc.
  • Bluevine Inc. is the programme partner managing the Bluevine Business Checking programme; the demand-deposit customer is a commercial legal entity.
  • The agreement permits security, legal, regulatory and fraud-related holds, transaction limits, feature restrictions and requests for additional information.
  • Contract limits distinguish direct incoming ACH or wire, dashboard-initiated linked-account pulls, cash deposits, mobile checks, cards and withdrawals.
SRC-BLUEVINE-US-PLANSBluevineCompare Bluevine Business Checking plansObserved 2026-07-12
  • Standard is listed at USD 0 per month, Plus at USD 30 and Premier at USD 95, with separate fee-waiver requirements.
  • Current APYs are 1.3 percent for eligible Standard balances up to USD 250,000, 1.75 percent for Plus balances up to USD 250,000 and 3.0 percent for Premier without a stated interest balance cap.
  • Plan differences include payment discounts, five, ten or twenty sub-accounts, free mailed checks, fraud controls, priority support and conditional Treasury access.
  • Plus and Premier fee waivers require both the stated average balance and card-spend thresholds during the billing cycle.
SRC-BLUEVINE-US-FEESBluevineBluevine Business Checking feesObserved 2026-07-12
  • The 28 May 2026 schedule lists plan fees, ACH, check, wire, cash-deposit, ATM, international-payment, replacement-card and dormancy charges.
  • Standard ACH and incoming domestic ACH or wires are listed at USD 0; same-day ACH and outgoing wire charges fall by plan.
  • Cash deposits, out-of-network ATMs, express replacement cards, international payments and certain checks can carry fees despite the Standard plan's zero monthly fee.
  • The schedule says transaction counts are unlimited but amount limits in the account agreement and customer dashboard still apply.
SRC-BLUEVINE-US-INTERESTBluevineTerms of Interest Accrual for Bluevine Business CheckingObserved 2026-07-12
  • The interest terms are effective 12 March 2026 and establish the current APY and balance cap for each plan.
  • Standard customers must meet at least one monthly activity condition; Plus and Premier customers are automatically eligible under the current terms.
  • APY and eligibility can change under the account agreement and should be rechecked before publication or account selection.
SRC-BLUEVINE-US-LIMITSBluevineBluevine Business Checking account limitsObserved 2026-07-12
  • The 2 June 2026 article distinguishes unlimited transaction counts from account-specific transaction amount limits shown in the web dashboard.
  • Direct incoming ACH and wire transfers are listed without an incoming amount limit, while dashboard pulls may be reviewed or restricted.
  • Card purchases are listed up to USD 25,000 per day per card based on eligibility; cash, ATM and mobile-check limits remain method-specific.
  • Bluevine may permit higher limits or restrict transactions based on eligibility, review and risk controls.
SRC-BLUEVINE-US-SWEEPCoastal Community Bank and BluevineBluevine Business Checking Sweep DisclosureObserved 2026-07-12
  • The disclosure lets Coastal arrange deposits across programme banks to increase potential FDIC coverage, subject to ownership category, aggregation and programme rules.
  • Deposits at the same programme bank in the same ownership capacity aggregate with deposits held outside Bluevine.
  • Funds can reach an excess bank above the applicable insured limit, programme banks can change, and customers cannot access programme-bank accounts directly.
  • Opting out leaves deposits at Coastal and removes sweep-related coverage above the standard maximum for the Bluevine account.
SRC-BLUEVINE-US-SWEEP-BANKSBluevineBluevine sweep network partner banksObserved 2026-07-12
  • The 10 June 2026 article lists the current Bluevine sweep-network banks.
  • The list may change without advance notice and must be checked with the sweep statement and disclosure rather than treated as permanent.
SRC-BLUEVINE-US-PAYMENTSBluevineBluevine domestic payment methods and processingObserved 2026-07-12
  • Bluevine documents standard and same-day ACH, domestic wire, mailed check and Bluevine Pay options with method-specific timing and fees.
  • Standard ACH and Bluevine Pay are listed without a Bluevine payment fee; other methods depend on plan and delivery method.
  • Payments can be one-time or recurring, and the dashboard supports payees, bill details, approvals and status tracking.
  • Bluevine currently states that its account is not compatible with Zelle.
SRC-BLUEVINE-US-USERSBluevineBluevine additional users, roles and permissionsObserved 2026-07-12
  • The 2 June 2026 guide describes Administrator, Authorized User, Accountant, Clerk and Employee roles with distinct permissions.
  • Additional users have separate credentials, while the account owner remains responsible for authorised transactions and fees.
  • Payment approvals, cards, statements, bill management, sub-accounts and external-account access are permission-specific rather than universal.
SRC-BLUEVINE-US-QUICKBOOKSBluevineConnect QuickBooks Online to BluevineObserved 2026-07-12
  • Bluevine supports a QuickBooks Online connection for bills, transactions and payee workflows.
  • The connection is configured through the web dashboard and payment sync for sub-accounts is not currently supported.
  • The integration is not evidence of every accounting field or workflow syncing bidirectionally.
SRC-BLUEVINE-US-SECURITYBluevineBluevine multi-factor authentication and fraud responseObserved 2026-07-12
  • Bluevine requires an MFA code for a new or untrusted device and currently supports SMS to a US cellular number as its MFA method.
  • A trusted device can sign in without a new MFA code; call-forwarding and Wi-Fi-only numbers are not supported for MFA.
  • Official fraud guidance lists phone, email and chat during stated business hours and warns customers never to share passwords, full card numbers or one-time codes.
SRC-BLUEVINE-US-INTERNATIONAL-OWNERSBluevineBluevine US business banking for international ownersObserved 2026-07-12
  • Eligible international owners must have a US-registered LLC or corporation, an EIN, a valid passport and residence in a supported country.
  • International-owner onboarding does not currently cover non-US business entities, sole proprietorships or nonprofits.
  • Lending, credit and Treasury products are not currently available to international owners, and other feature limitations apply.
SRC-FDIC-DEPOSIT-INSURANCEFederal Deposit Insurance CorporationUnderstanding deposit insuranceObserved 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
SRC-FDIC-PASS-THROUGHFederal Deposit Insurance CorporationPass-through deposit insurance coverageObserved 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
CoinbaseCrypto exchange access where cash and digital assets are understood as separate risk buckets.crypto exchangeavailable with state and product restrictionsCoinbase, Inc.Partner: JPMorgan Chase, Cross River Bank, Customers Bank, VyStar Credit Union and Pathward in the stale May 2025 eligible cash-placement list; Pathward, N.A. as Coinbase Card issuer and Marqeta as card-programme platform; Coinbase Capital Markets Corporation and Apex Clearing Corporation for separately eligible securities accounts; Coinbase Custody Trust Company, LLC for separately eligible institutional custodyCrypto exchange; cash and digital assets require separate protection explanations.Coinbase states that it is not an FDIC-insured bank.
11 source record(s)
SRC-COINBASE-US-AGREEMENTCoinbaseCoinbase US User AgreementObserved 2026-07-12
  • The individual agreement is with Coinbase, Inc. and was last updated on 29 June 2026.
  • Coinbase is not an FDIC-insured bank; eligible custodial cash and digital assets have different custody and protection treatment.
  • Digital assets are not FDIC or SIPC insured, while conditional pass-through treatment may apply only to eligible custodial cash held at specified institutions.
  • Coinbase eligibility, services and supported assets can vary by location and product.
SRC-COINBASE-PAYMENT-METHODSCoinbaseCoinbase payment methods — North America and LATAMObserved 2026-07-12
  • The US methods table lists ACH, debit card, wire and PayPal with different buy, add-cash, cash-out and timing capabilities.
  • Generic ACH support does not prove that every bank or fintech permits a specific transfer; provider-specific terms remain a separate evidence gate.
SRC-COINBASE-US-CASH-CUSTODYCoinbase HelpHow Coinbase stores United States Dollar cashObserved 2026-07-13
  • Coinbase says United States customer cash is held one-to-one in omnibus FBO accounts at insured financial institutions or in permissible short-duration liquid investments under state money-transmission laws.
  • Coinbase maintains the customer subledger and says pass-through treatment depends on accurate records and the receiver's determination; a customer must aggregate outside deposits held at the same institution.
  • Cash can move between insured accounts, United States Treasuries and government money-market funds, so a customer should not assume one placement or universal deposit-insurance result.
SRC-COINBASE-US-INSURANCECoinbase HelpCoinbase insurance and protection overviewObserved 2026-07-13
  • Coinbase distinguishes limited corporate crime insurance for a portion of platform-held digital assets from personal-account credential losses and states that cryptocurrency is not covered by FDIC, NCUSIF or SIPC.
  • The May 2025 institution list names JPMorgan Chase, Cross River Bank, Customers Bank, VyStar Credit Union and Pathward for eligible Coinbase Inc or Prime cash placements, but it is stale and not an account-specific allocation record.
  • The page separately identifies Coinbase Capital Markets Corporation and Apex Clearing Corporation SIPC treatment for eligible securities accounts; settled cash swept back to the Coinbase Inc USD balance loses that brokerage treatment.
SRC-COINBASE-VS-ADVANCEDCoinbase HelpCoinbase and Coinbase Advanced product comparisonObserved 2026-07-13
  • Simple Coinbase trades use a fixed preview quote that includes applicable fees and spread, while Coinbase Advanced uses an order book and a volume-based maker-taker fee model without an included spread.
  • Advanced adds order types, order-book data and API access, but complexity, execution, asset, jurisdiction and account conditions remain customer-specific.
  • Coinbase One benefits do not erase Advanced fees and can leave spreads or separate product charges in place.
SRC-COINBASE-ADVANCED-FEESCoinbase HelpCoinbase Advanced fee guidanceObserved 2026-07-13
  • Advanced maker and taker treatment depends on whether an order immediately removes liquidity, and a partially matched order can incur both treatments.
  • The fee tier at order time is driven by rolling thirty-day United States Dollar-equivalent trading volume and updates hourly.
  • The complete current fee table requires an authenticated account; the public page says the preview controls and rates can change, so NeobankDB does not publish an unavailable universal percentage.
SRC-COINBASE-STAKING-RISKSCoinbase HelpCoinbase staking risksObserved 2026-07-13
  • Staked assets cannot be sold or sent until unstaking completes, and standard unstaking can take hours to weeks depending on the asset and network while optional instant unstaking can carry a disclosed fee.
  • Network rewards are not guaranteed and Coinbase credits received rewards after subtracting its staking commission.
  • Slashing, protocol bugs, network conditions, malicious activity and other exclusions can cause loss; Coinbase replacement depends on cause and the governing agreement.
SRC-COINBASE-CARD-FEESCoinbase HelpCoinbase Card fees and tax guidanceObserved 2026-07-13
  • The United States Coinbase Card is issued by Pathward, N.A. under a Visa licence and powered by Marqeta; it is unavailable in Hawaii according to the observed page.
  • Coinbase lists no transaction fee for spending supported balances and no Coinbase ATM fee, while crypto conversion spread, ATM-operator fees, taxes, limits and the card agreement remain separate.
  • Spending crypto triggers an automatic sale into United States Dollars and can create a taxable disposal; variable crypto rewards are optional and not guaranteed.
SRC-COINBASE-ONECoinbase HelpCoinbase One membership and benefit conditionsObserved 2026-07-13
  • Coinbase One is a recurring membership with Basic, Preferred and Premium tiers and region-, eligibility- and account-specific benefits.
  • Observed simple-trade fee limits are USD 500, USD 10,000 and unlimited per month by tier, but spreads remain and Advanced, DEX and derivatives are excluded from that zero-fee benefit.
  • USDC and staking reward boosts, support levels, account-takeover protection, wire benefits and other features can vary or be removed; the live member page and governing terms control.
SRC-COINBASE-CUSTODY-MODESCoinbase HelpCoinbase exchange and self-custody wallet distinctionObserved 2026-07-13
  • A Coinbase exchange account is custodial: the platform controls the private keys and account access can ordinarily use platform recovery procedures.
  • A self-custody wallet gives the user control of private keys and a recovery phrase; losing that recovery material can permanently remove access and Coinbase cannot restore it.
  • Coinbase-hosted balances, web3 wallet arrangements and self-custody products must not be treated as one custody or support model.
SRC-COINBASE-US-LICENSESCoinbaseCoinbase United States licences and entity disclosuresObserved 2026-07-13
  • Coinbase publishes state-specific money-transmission and virtual-currency disclosures rather than one national bank charter.
  • Coinbase Custody Trust Company, LLC is a New York limited-purpose trust company for virtual-currency business and has its own institutional complaint path.
  • The custody trust entity and LMX Labs derivatives registration do not make a retail Coinbase Inc account a bank account, a securities account or an institutional custody account.
MercuryEligible US-registered businesses seeking online banking, payments, team cards and optional finance tools.business banking fintechavailable with business formation ownership location industry bank partner and product conditionsMercury Technologies, Inc.Partner: Choice Financial Group; Column N.A.; Evolve Bank & Trust for customer-specific or currently page-disclosed relationships; program banks; Patriot Bank, N.A. for the cited IO cardBusiness banking fintech using Choice Financial Group, Column N.A. and conditional programme-bank sweeps.Mercury is not a bank; account bank, sweep eligibility, IO credit and Treasury investments remain separate and conditional.
20 source record(s)
SRC-MERCURY-US-LEGALMercuryMercury legal and banking-provider disclosuresObserved 2026-07-13
  • Mercury identifies Mercury Technologies, Inc. as a fintech company rather than an FDIC-insured bank.
  • Business banking services are provided through Choice Financial Group and Column N.A., both Members FDIC; the exact provider account and agreement remain customer-specific.
  • Mercury Treasury and Mercury Invest are separate Mercury Advisory, LLC investment-advisory products and are not bank deposits.
SRC-MERCURY-US-BUSINESSMercuryMercury business checking and savingsObserved 2026-07-13
  • Mercury describes free business checking and savings, virtual and physical cards, ACH, wires, checks, invoicing, bill pay, permissions and accounting integrations.
  • The page advertises potential FDIC coverage up to USD 5 million through partner banks and sweep networks, subject to programme, ownership, recordkeeping and same-bank aggregation conditions.
  • Its FAQ names Choice Financial Group, Column N.A. and Evolve Bank & Trust, while current legal and business-disclosure summaries emphasize Choice and Column; the customer statement and governing agreement remain controlling.
SRC-MERCURY-US-ELIGIBILITYMercury SupportMercury business account eligibilityObserved 2026-07-13
  • A business must be formed and registered in the United States or a US territory and provide legal, operating, source-of-funds, ownership and controller information.
  • International founders can apply for an eligible US-registered business, but principal-address, prohibited-country, industry, entity and verification restrictions apply.
  • Mercury and its banking providers retain approval discretion; submitted documents and general eligibility do not guarantee account opening or every product.
SRC-MERCURY-US-PRICINGMercury SupportMercury business pricing plansObserved 2026-07-13
  • Mercury states that core business banking has no monthly, overdraft or minimum-balance fee and no Mercury fee for domestic wires, ACH or checks.
  • Plus, Pro and Enterprise subscription services add advanced workflow and support features under separate monthly or annual pricing.
  • International currency conversion, premium processing, API mass payments, Treasury, cards, third parties and other optional actions can carry separate fees.
SRC-MERCURY-US-SWEEPChoice Financial Group and MercuryMercury Choice sweep programme agreementObserved 2026-07-13
  • Eligible funds can be placed from a core bank into deposit accounts at programme banks on the customer-specific bank list.
  • Coverage depends on beneficial ownership, account titling, records, programme limits, same-bank deposits held elsewhere and the FDIC determination at bank failure.
  • A multi-bank sweep can expand potential coverage but does not create USD 5 million of insurance at one bank or protect balances above applicable programme and bank limits.
SRC-MERCURY-US-PAYMENTSMercuryMercury business payment methodsObserved 2026-07-13
  • Mercury lists ACH, domestic and international wires, checks, bill pay, invoicing and accounting connections for eligible business accounts.
  • The current page lists USD 0 for ACH, domestic wires, mailed checks and USD international wires, while supported non-USD international wires use a stated one-percent currency conversion fee.
  • Displayed timing ranges remain provider-stated estimates; recipient, rail, currency, intermediary, premium-processing, limit, compliance and third-party conditions can change cost or arrival.
SRC-MERCURY-US-IOMercury SupportMercury IO qualification and card termsObserved 2026-07-13
  • IO is a cash-underwritten business charge card whose balance cannot exceed eligible cash held with Mercury; Patriot Bank, N.A. issues the cited card.
  • Introductory daily repayment and higher-limit monthly or daily repayment paths depend on balance, account history, underwriting and in-product qualification.
  • The cited one-and-a-half-percent cashback applies to eligible settled purchases while approval, limit, repayment, card, fee and good-standing conditions remain separate.
SRC-MERCURY-US-TREASURYMercury SupportMercury Treasury eligibilityObserved 2026-07-13
  • Treasury requires an approved Mercury business account, at least USD 250,000 in total deposits, supported physical location and an eligible entity type.
  • Mercury Treasury is offered by Mercury Advisory, LLC through an investment and brokerage structure, not by the business deposit-account banking providers.
  • Treasury securities can lose value, are not FDIC-insured bank deposits and use separate advisory, brokerage, yield and fee terms.
SRC-MERCURY-US-PARTNER-MIGRATIONMercury SupportSwitching Mercury partner banksObserved 2026-07-13
  • Mercury says checking and savings accounts are provided through Choice Financial Group and Column N.A., while switching partner banks opens new provider accounts and transfers activity.
  • A migration requires new bank terms and can change routing details, account status and programme-bank placement; old accounts can be disabled.
  • Mercury's business page also mentions Evolve Bank & Trust, so the exact current provider must be read from the customer's statement and governing agreement.
SRC-MERCURY-US-DISCLOSURESMercuryMercury for Business disclosuresObserved 2026-07-13
  • Mercury states that it is a fintech company rather than an FDIC-insured bank and identifies Choice Financial Group and Column N.A. as banking providers.
  • Mercury debit cards are issued by Choice or Column, while the IO charge card is issued by Patriot Bank, N.A.; these card roles do not reclassify Mercury.
  • Non-USD international wires have a stated one-percent currency-exchange fee and non-USD debit or IO card transactions can have a currency-exchange fee up to three percent.
SRC-MERCURY-US-PRICING-PAGEMercuryMercury public pricing comparisonObserved 2026-07-13
  • The current pricing page lists the core Mercury tier at USD 0 per month and presents Plus and Pro as optional workflow subscriptions.
  • The observed annual-pricing view displays a fifteen-percent discount with Plus at USD 29.90 per month and Pro at USD 299 per month; monthly cadence and Enterprise custom pricing remain separate.
  • Plan features, ACH-debit transaction charges, reimbursement-user allowances, overages, taxes and optional products remain tier- and action-specific.
SRC-MERCURY-US-CARDSMercury SupportCreate Mercury debit and IO cardsObserved 2026-07-13
  • Eligible funded accounts can create virtual or physical debit cards tied to a checking account with card-level controls.
  • IO remains a separately underwritten cash-underwritten charge card with its own limit, repayment, cashback and issuer conditions.
  • Mercury debit cards are issued by Choice Financial Group or Column N.A.; IO is issued by Patriot Bank, N.A.
SRC-MERCURY-US-ATMMercury SupportMercury debit-card ATM use and cash-deposit boundaryObserved 2026-07-13
  • The current page lists up to USD 1,000 per physical debit card per business day and a USD 3,000 business-wide daily ATM cap.
  • Mercury does not support cash deposits through its partner-bank branches; checks, ACH transfers and wires are listed as funding alternatives.
  • ATM-operator charges, non-USD conversion, Mastercard-network, chip, card-type, dispute and customer-specific limit conditions remain separate.
SRC-MERCURY-US-CARD-LIMITSMercury SupportMercury card-limit controlsObserved 2026-07-13
  • Admins or users with card-limit permission can set daily, weekly, monthly, permanent or temporary debit-card limits.
  • The page repeats a USD 1,000 per-card business-day ATM ceiling and USD 3,000 business-wide daily ceiling, with business-day reset conditions.
  • Recurring charges, force posts and preauthorisations can behave differently from a simple card-limit block and require transaction-specific review.
SRC-MERCURY-US-PAYMENT-LIMITSMercury SupportRequesting higher Mercury payment limitsObserved 2026-07-13
  • Mercury assigns customer-specific ACH, wire and check-deposit limits rather than publishing one universal business limit.
  • An eligible web-dashboard flow can request a temporary increase with transaction context and supporting documents.
  • The provider states a typical one-to-two-business-day review response, which is not approval or payment-completion timing.
SRC-MERCURY-US-SUPPORTMercury SupportContacting Mercury SupportObserved 2026-07-13
  • Signed-in customers can message support from the web or mobile dashboard; people without access can use the public contact flow or help@mercury.com.
  • Mercury states that messaging is available around the clock and typically receives a response within five minutes.
  • NeobankDB has not independently tested support availability, response time, resolution quality or escalation outcomes.
SRC-MERCURY-US-IO-ONLYMercury SupportMercury IO without a Mercury deposit accountObserved 2026-07-13
  • An IO-only path is described as an invitation-only closed beta that does not require opening a Mercury deposit account.
  • It requires a supported external business account connection for underwriting data, autopay and cashback, with at least one primary connection maintained.
  • The IO-only limit, monthly repayment, Plaid connection, cashback, non-USD fee, eligibility and credit-reporting conditions remain separate from the standard deposit-linked IO path.
SRC-MERCURY-US-DISPUTESMercury SupportDisputing Mercury transactionsObserved 2026-07-13
  • Settled debit-card, IO-card and eligible ACH-pull transactions can use the cited self-service dispute flow; pending, failed, internal-transfer and wire states use different paths.
  • Merchant disputes can take up to ninety days under the provider's description and filing does not guarantee recovery.
  • Freezing or replacing a card, evidence, reporting window, transaction type and investigator communication remain case-specific.
SRC-FDIC-DEPOSIT-INSURANCEFederal Deposit Insurance CorporationUnderstanding deposit insuranceObserved 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
SRC-FDIC-PASS-THROUGHFederal Deposit Insurance CorporationPass-through deposit insurance coverageObserved 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
PayoneerUS businesses, freelancers and marketplace sellers managing eligible cross-border receivables and payouts.licensed money transmitter business payment platformavailable with product conditionsPayoneer Inc.Partner: First Century Bank, N.A. for an eligible Corporate Purchasing Mastercard; Payoneer Europe Limited for an eligible Business Premium Debit MastercardLicensed money-transmitter payment account with customer balances as direct claims against Payoneer.Payoneer is not a bank; receiving details, card issuers, fees and feature access remain conditional.
18 source record(s)
SRC-PAYONEER-NOT-BANKPayoneerWhat is a virtual business bank account?Observed 2026-07-12
  • Payoneer states that it is not a bank and does not provide traditional or virtual business bank accounts.
  • Receiving-account details must not be presented as bank accounts or deposit products.
SRC-PAYONEER-BUSINESS-PRICINGPayoneerPayoneer business pricingObserved 2026-07-12
  • Payoneer publishes business, marketplace and freelancer cross-border pricing, including US-specific payment-method examples.
  • The schedule says availability and exact pricing vary by jurisdiction, eligibility, account type, method and corridor.
  • The page does not by itself resolve the exact contracting entity and full availability for a US-registered business account.
SRC-PAYONEER-US-LICENSESPayoneerPayoneer state licences and disclosuresObserved 2026-07-12
  • The disclosure identifies Payoneer Inc., NMLS ID 1041524, and lists its current United States money-transmitter licences.
  • A money-transmitter licence supports payment services but does not make Payoneer Inc. a bank or turn customer balances into bank deposits.
SRC-PAYONEER-US-DFPICalifornia Department of Financial Protection and InnovationPayoneer Inc. regulated-entity recordObserved 2026-07-12
  • California DFPI lists Payoneer Inc. as a regulated money transmitter under licence ID 2522.
  • The record independently confirms the United States operating entity and licence type without establishing bank status.
SRC-PAYONEER-SEC-2025United States Securities and Exchange CommissionPayoneer Global Inc. 2025 Form 10-KObserved 2026-07-12
  • The filing describes Payoneer as a financial technology company and the Payoneer Account as a business-focused multi-currency payment account.
  • It states that Payoneer is registered with FinCEN as an MSB and licensed as a money transmitter where required in the United States.
  • Customer balances are direct claims against the company; underlying customer funds are held in dedicated bank accounts and can be invested in debt securities and term deposits.
  • The filing says the vast majority of relevant cash funds exceed applicable FDIC limits or are held where deposit insurance is unavailable, so NeobankDB does not attach a generic FDIC badge to Payoneer balances.
SRC-PAYONEER-MULTICURRENCYPayoneerPayoneer multi-currency business accountObserved 2026-07-13
  • The page describes one Payoneer Account with receiving details for USD, GBP, EUR, AUD, CAD, SGD, HKD, AED, MXN and JPY workflows.
  • It identifies United States USD receiving by ACH and states that availability remains subject to terms and eligibility.
  • The page lists USD local-bank-transfer receiving as free for customers in the United States while other customers can pay up to one percent.
SRC-PAYONEER-PAY-BALANCEPayoneerPay using a Payoneer balanceObserved 2026-07-12
  • Eligible customers can pay another Payoneer account or a recipient bank account and can create batch payments of up to 1,000 transactions.
  • Fees depend on recipient location, currency, region and transaction volume; exact in-account pricing controls over marketing examples.
  • The payment service is for business expenses, suppliers, employees and tax authorities, not unrestricted consumer person-to-person use.
SRC-PAYONEER-WITHDRAWPayoneerWithdraw Payoneer funds to a bank accountObserved 2026-07-12
  • Payoneer describes withdrawals to verified personal or company bank accounts with country, currency and identity checks.
  • Bank transfers are described across supported countries, but speed, conversion and limits remain account- and corridor-specific.
  • India remains a separate flow in which received funds are automatically withdrawn to the local bank account under current guidance.
SRC-PAYONEER-WITHDRAW-FAQPayoneer Customer CarePayoneer Withdraw to bank FAQObserved 2026-07-13
  • Payoneer separates a customer-owned personal or company bank account under Your bank accounts from a third-party account under Recipient bank accounts.
  • Individual and company withdrawal-account names must match the Payoneer customer, and a newly added bank account is reviewed and usually takes up to three business days for approval.
  • Most confirmed withdrawals are described as same day or up to two business days, while fees, limits, currency conversion, feature availability and the live estimated deposit date remain account-specific.
SRC-PAYONEER-WITHDRAW-STATUSPayoneer Customer CarePayoneer bank-withdrawal status and return guidanceObserved 2026-07-13
  • Payoneer directs customers to the Transactions page to track Withdrawal to bank records and download the confirmation for a bank trace.
  • If five business days pass without receipt, the customer should verify bank details and contact Payoneer when the details are correct.
  • Incorrect bank details can cause return to the Payoneer account within up to 14 business days; return is not immediate and retry should wait for final credit.
SRC-PAYONEER-BANK-NAME-MATCHPayoneer Customer CarePayoneer account and bank-account name matchingObserved 2026-07-13
  • Payoneer requires the bank-account holder name used during signup to match the Payoneer personal or company account name.
  • An eligible bank account under a different name belongs under Recipient bank accounts rather than the customer's withdrawal-account list.
  • The distinction prevents a supplier payment from being mislabeled as withdrawal to the customer's own bank.
SRC-PAYONEER-CARDPayoneerPayoneer commercial card programmeObserved 2026-07-12
  • Card availability is conditional on region, customer eligibility and a stated minimum of USD 100 received in the prior six months.
  • Eligible customers may receive a Payoneer Business Premium Debit Mastercard issued by Payoneer Europe Limited or a Corporate Purchasing Mastercard issued by First Century Bank, N.A. and provided by Payoneer Inc.
  • Employee cards and spending limits are documented, but a card issuer does not turn the Payoneer Account balance into a bank deposit.
SRC-PAYONEER-SECURITYPayoneerPayoneer Security CenterObserved 2026-07-12
  • Payoneer documents two-step verification, authenticator-app and mobile push options, CAPTCHA, adaptive authentication, web application firewalls and transaction monitoring.
  • The page lists PCI DSS Level 1 and SOC 1 Type II and SOC 2 Type II assessments as company-reported controls.
  • These documented controls do not prove that NeobankDB independently tested account security or incident response.
SRC-PAYONEER-SUPPORTPayoneerPayoneer account supportObserved 2026-07-12
  • Payoneer states that Customer Care is available 24/7 through eligible live-chat, email, phone and WhatsApp channels after account sign-in.
  • Dedicated account-management benefits and fee or limit benefits remain account-, activity-, jurisdiction- and eligibility-specific.
  • Published availability does not establish response time or support quality.
SRC-PAYONEER-ERROR-RESOLUTIONPayoneerPayoneer transaction or transfer error resolution policyObserved 2026-07-12
  • The policy asks customers to report suspected errors or unauthorised transactions within 60 days and describes investigation timeframes.
  • The page provides a dispute path and a New York customer-service mailing address but does not guarantee a particular outcome.
SRC-PAYONEER-GOOGLE-PLAYGoogle PlayPayoneer Business Payments on Google PlayObserved 2026-07-12
  • The US listing identifies Payoneer Inc. as the developer and showed a 4.1-star snapshot, about 157,000 reviews and more than 10 million downloads.
  • The app was listed as updated on 16 June 2026 and describes business payment, balance and withdrawal functions.
  • Store metrics are dynamic snapshots and do not become a NeobankDB reliability or support score.
SRC-PAYONEER-APPLE-APPApple App StorePayoneer Business Payments on the US App StoreObserved 2026-07-12
  • The US listing identifies Payoneer Inc. as the seller and documents iPhone, iPad and compatible Apple-platform availability.
  • Apple states that the developer-provided privacy information is not independently verified by Apple.
  • NeobankDB did not independently test the app or derive sentiment from individual reviews.
SRC-PAYONEER-STATUSPayoneerPayoneer service statusObserved 2026-07-12
  • The status page showed the listed Payoneer systems operational when observed and exposes recent incident and maintenance history.
  • A current operational snapshot is not evidence of a historical uptime percentage or a reliability score, and client-specific issues may not appear.

SoFi

licensed digital bank with opt in deposit network and separate crypto account
US status
available with personal eligibility product and program conditions
Legal entity
SoFi Bank, N.A.
Product note
SoFi Bank directly offers checking and savings deposits. Each account can separately opt into a deposit-placement programme with allocation, ownership-category, recordkeeping, outside-balance and timing conditions. Crypto, investments, loans and credit remain separate products.
Protection model
Licensed digital bank; deposit accounts and the uninsured crypto account remain separate products.SoFi Crypto and digital assets are not deposits and are not FDIC or SIPC insured.
View legal and protection sources

Varo

us chartered national digital bank
US status
available with us residency identity acceptance account product credit deposit and channel conditions
Legal entity
Varo Bank, N.A.
Product note
Varo Bank, N.A. directly provides the cited personal bank and savings accounts. Eligible deposits use standard FDIC coverage at Varo, while Believe, Advance and Line of Credit remain separate secured-card or lending products with distinct eligibility, fees, limits and credit effects.
Protection model
Eligible deposits receive standard FDIC coverage directly at Varo Bank, N.A., subject to ownership-category aggregation.Believe, Advance and Line of Credit are separate secured-card or lending products; FDIC insurance does not protect credit access or outcomes.
View legal and protection sources

Chime

us banking fintech partner bank deposit platform
US status
available with us residency identity acceptance issuer product direct deposit and state conditions
Legal entity
Chime Financial, Inc. as platform; The Bancorp Bank, N.A. or Stride Bank, N.A. as account bank
Product note
Eligible US individuals can apply for a personal checking account at one named partner bank. Chime is not a bank; eligible deposits can receive FDIC pass-through coverage only when applicable conditions are satisfied. Savings, secured cards, SpotMe, MyPay and membership tiers retain separate issuer, eligibility, fee, credit and state terms.
Protection model
Banking fintech with eligible deposits at The Bancorp Bank, N.A. or Stride Bank, N.A. subject to FDIC pass-through conditions.Chime is not a bank; the exact account bank, product, ownership category and pass-through conditions control protection.
View legal and protection sources

Revolut

banking fintech
US status
available
Legal entity
Revolut Technologies Inc.
Product note
Revolut Technologies Inc. manages a Lead Bank prepaid-card programme and exposes separate balances for 25 listed holding currencies. A held balance, local receiving detail, transaction-time card conversion and Lead Bank deposit programme are separate capabilities and protection questions.
Protection model
Bank-partner fintech arrangement; not listed here as a licensed bank.The cited US terms point to Revolut Technologies Inc. and Lead Bank programme roles.
View legal and protection sources

Cash App

payment wallet with conditional bank program card brokerage credit and virtual currency services
US status
available with identity state product and program conditions
Legal entity
Block, Inc.
Product note
Block provides the wallet, peer payments and Savings feature. Card or Sponsored Account status can make eligible cash and savings balances conditionally eligible for pass-through insurance at named banks. Card, brokerage, credit and virtual-currency products use separate issuers or entities; pending balances, Bitcoin and investing are excluded from deposit coverage.
Protection model
Financial platform with separate wallet, partner-bank and virtual-currency arrangements.Cash App is not a bank, and Bitcoin or other virtual-currency holdings are not FDIC or SIPC insured.
View legal and protection sources

Wise

money transmitter and multicurrency account
US status
available with business eligibility
Legal entity
Wise US Inc.
Product note
Wise US Inc. offers eligible personal and business customers conditional holding, conversion, receiving and card features across multiple currencies. Ordinary balances are not bank deposits; only eligible opted-in USD interest funds can receive conditional pass-through insurance through the current programme bank.
Protection model
Money transmitter and multicurrency account with country-specific safeguarding.Wise describes safeguarding rather than ordinary bank-deposit treatment.
View legal and protection sources

PayPal

payment wallet with separate balance card savings and crypto products
US status
available with personal business and product conditions
Legal entity
PayPal, Inc.
Product note
PayPal, Inc. provides personal and business payment accounts; ordinary balances are unsecured claims, named conditions can place eligible US dollars at Program Banks, and Savings, debit-card and crypto products retain separate providers and terms.
Protection model
Payment wallet; eligible balances may have conditional programme-bank treatment.PayPal states it is not a bank, and crypto is not a bank deposit.
View legal and protection sources
SRC-PAYPAL-US-SAVINGSPayPal and Synchrony BankPayPal SavingsObserved 2026-07-12

Airwallex

business finance platform
US status
available with restrictions
Legal entity
Airwallex US, LLC
Product note
US-registered businesses can apply for Global Accounts, multi-currency wallet balances, conversion, transfer and corporate-card functions. Airwallex is not a bank; local receiving details are collection routes, protection remains programme-specific, and current official pages conflict on one Grow-plan price presentation.
Protection model
Business finance platform with specified banking partners for some US customers.Not a consumer checking account and not presented here as a bank.
View legal and protection sources

Bluevine

business banking fintech
US status
available with eligibility
Legal entity
Bluevine Inc.
Product note
Coastal Community Bank demand-deposit account managed through Bluevine for qualified US-registered businesses, with Standard, Plus and Premier plans and conditional sweep-program coverage.
Protection model
Business banking fintech using Coastal Community Bank and programme-bank arrangements.Bluevine states that it is a financial technology company, not a bank.
View legal and protection sources

Coinbase

crypto exchange
US status
available with state and product restrictions
Legal entity
Coinbase, Inc.
Product note
Coinbase, Inc. provides the reviewed United States retail exchange and custodial account. Eligible cash can be held at insured financial institutions or in permissible liquid investments, digital assets remain outside FDIC, NCUSIF and SIPC treatment, and card, staking, equities, derivatives and self-custody products retain separate entities and terms.
Protection model
Crypto exchange; cash and digital assets require separate protection explanations.Coinbase states that it is not an FDIC-insured bank.
View legal and protection sources

Mercury

business banking fintech
US status
available with business formation ownership location industry bank partner and product conditions
Legal entity
Mercury Technologies, Inc.
Product note
Eligible US-registered businesses can apply for partner-bank checking and savings with conditional sweep coverage. Mercury is not a bank; IO and Treasury use separate card and investment structures. Current official pages differ in how they scope Evolve Bank & Trust, so the customer's statement and governing agreement control the exact account bank.
Protection model
Business banking fintech using Choice Financial Group, Column N.A. and conditional programme-bank sweeps.Mercury is not a bank; account bank, sweep eligibility, IO credit and Treasury investments remain separate and conditional.
View legal and protection sources

Payoneer

licensed money transmitter business payment platform
US status
available with product conditions
Legal entity
Payoneer Inc.
Product note
Payoneer Inc. provides eligible US businesses with conditional local receiving details, multi-currency balances, conversion, payments, withdrawal and card features under money-transmitter licences. Payoneer is not a bank, and receiving details are not foreign bank deposits owned by the customer.
Protection model
Licensed money-transmitter payment account with customer balances as direct claims against Payoneer.Payoneer is not a bank; receiving details, card issuers, fees and feature access remain conditional.
View legal and protection sources
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Fund protection in the US

Protection follows the product, not the marketing category.

A US consumer may see a debit card, a routing number, a wallet balance, a business account and a crypto balance on similar screens. That does not make them equivalent. NeobankDB keeps the bank entity, programme bank, payment wallet and exchange arrangement separate so the reader can see what is verified and what still needs research.

This broad country page does not reduce every product to one insurance badge. The business-account guide uses current FDIC sources to explain the standard limit, pass-through requirements, ownership categories and aggregation for the exact product.

Bank

Use only where the source supports a bank entity, as with SoFi Bank or Varo Bank.

Partner-bank fintech

Explain the technology company and partner bank separately, as with Revolut or Bluevine.

Wallet

Keep eligible balance treatment, wallet services and crypto features separate.

Exchange

Separate cash custody language from digital-asset custody and platform risk.

Personal versus business

Consumer and business accounts should not share one shortlist.

For personal use, the verified US set points to SoFi or Varo for bank records, Wise for international money movement, Cash App or PayPal for wallet payments, Revolut for app-based spending under a partner-bank programme, and Coinbase for exchange access. Those are different jobs. A person choosing a salary account should not evaluate Coinbase the same way they evaluate a bank, and a traveller should not treat a wallet balance as a replacement for a regulated bank account.

For business use, Bluevine, Mercury, Airwallex and Payoneer move to the front because their verified US records are business-oriented. Bluevine uses Coastal Community Bank; Mercury uses Choice Financial Group or Column N.A. and keeps IO credit and Treasury investments separate. Airwallex and Payoneer provide different global-money structures. None is described here as a licensed bank unless the named partner institution is the bank.

Compare US business accountsRead the Bluevine reviewCompare Bluevine with Mercury

International and multicurrency

Transfers and multicurrency balances need route-specific checks.

Wise has the clearest verified international and multicurrency role in the current US fixture. The source ledger supports Wise US Inc. regulation and safeguarding language, but that still does not convert Wise into a bank. PayPal may be useful for wallet-linked cross-border activity. Airwallex is more relevant for business operations than everyday consumer travel. Revolut US appears in the app-spending lane, but this hub does not infer unsupported transfer or crypto routes from the brand name.

ACH, wire, debit cards and credit cards are US rails. They are not universal provider promises. The transaction explorer already shows why this distinction matters: Wise account transfers to Coinbase are unsupported in the approved route fixture, while PayPal to Coinbase is supported only for specified actions.

Open the transaction explorer

Crypto funding and cash-out

Cash and crypto balances are separate risk buckets.

SoFi supplies the approved integrated bank-and-crypto path, but its crypto account is not a deposit. Cash App, PayPal and Coinbase are non-bank paths with different cash, custody and transfer rules. Coinbase is still an exchange, and its generic ACH support does not prove compatibility with every bank.

Do not use this page as a shortcut around exchange terms, bank policies or state/product restrictions. Crypto rails can be conditional, unavailable, reversed or unsupported even when both brands are available in the same country.

Compare verified US crypto-access paths

Eligibility and documents

Expect identity, address and business checks, but avoid universal claims.

The verified records support broad product lanes, not a single eligibility promise. Personal apps commonly require identity and market eligibility checks. Business products may require company formation, ownership, tax and operating details. Airwallex, Bluevine and Payoneer are business-specific in this fixture; Coinbase includes state and product restrictions; Chime remains research required until official evidence is approved.

Read the Payoneer reviewRead the PayPal review

Payment rails

ACH, wire and cards are rails, not guarantees.

A rail describes how money may move in the market. Provider support still depends on product terms, counterparty rules, eligibility and route evidence.

ACH

Listed as a United States rail in the country record. Check provider and route evidence before assuming support.

wire

Listed as a United States rail in the country record. Check provider and route evidence before assuming support.

debit-card

Listed as a United States rail in the country record. Check provider and route evidence before assuming support.

credit-card

Listed as a United States rail in the country record. Check provider and route evidence before assuming support.

Source ledger and research gaps

Every high-risk claim keeps its evidence visible.

The current fixture includes provider observations through 12 July 2026 and requires launch-time re-verification before public launch.

Revolut source drawer

Revolut is displayed as banking fintech in the United States.

SRC-REVOLUT-US-TERMSRevolut Personal Terms — United StatesRevolut · observed 2026-07-11
  • Version dated 28 April 2026.
  • Agreement is with Revolut Technologies Inc.
  • Banking services and cards are provided/issued by Lead Bank under the stated programme.
  • Account is associated with a prepaid card.
SRC-REVOLUT-US-HOLDING-CURRENCIESRevolut United States supported currencies for holdingRevolut Technologies Inc. · observed 2026-07-13
  • Revolut's current US help page lists 25 currencies that can be opened, held and exchanged in separate currency balances.
  • Unsupported holding currencies can still be used for card payments or withdrawals through transaction-time conversion, which is not a held balance or local receiving detail.
  • The page identifies Revolut Technologies Inc. as programme manager and Lead Bank as the prepaid-card banking-services provider; exact FDIC treatment follows the cited programme terms.
Wise source drawer

Wise is displayed as money transmitter and multicurrency account in the United States.

SRC-WISE-SAFEGUARDINGHow Wise keeps your money safeWise · observed 2026-07-11
  • Wise says it safeguards customer money and does not lend it like a bank.
  • Arrangements vary by country.
SRC-WISE-US-BUSINESSWise Business United StatesWise · observed 2026-07-12
  • Wise Business supports international payments, multi-currency receiving details, cards and team controls for eligible US businesses.
  • The page lists a one-time USD 31 fee to unlock business account details.
  • Wise is not an FDIC-insured bank; only eligible USD funds opted into the interest feature can receive conditional pass-through coverage through a Program Bank.
SRC-WISE-US-BUSINESS-PRICINGWise Business US receiving feesWise · observed 2026-07-12
  • The US pricing page lists USD 31 to unlock local account details in supported currencies.
  • It lists domestic non-wire receipts as free and USD wire or SWIFT receipts at USD 6.11 per payment.
  • Conversion, sending, card and other method-specific fees remain separate.
SRC-WISE-US-BUSINESS-ELIGIBILITYVerify a US business with WiseWise · observed 2026-07-12
  • Wise requests business registration, tax, physical trading address, activity, controller and 25-percent-or-more owner details.
  • The page states that businesses from Nevada and specified US territories cannot be onboarded due to licensing limitations.
  • Verification requirements can vary by entity and do not guarantee approval.
SRC-WISE-US-PROTECTIONHow Wise US Inc. protects customer fundsWise · observed 2026-07-12
  • Wise US Inc. keeps customer funds separate in a mix of cash at commercial banks and secure liquid assets.
  • Wise is not a bank and ordinary balances without the interest feature are not FDIC insured.
  • Eligible USD funds opted into the interest feature may receive up to USD 250,000 in pass-through insurance through the current Program Bank, subject to aggregation and programme rules.
SRC-WISE-US-BUSINESS-CARDWise Business card pricing in the United StatesWise · observed 2026-07-12
  • Wise lists the first US business card without a subscription fee and additional team cards at a USD 5 one-time charge per card.
  • The schedule lists no Wise ATM fee up to USD 250 withdrawn per calendar month, then USD 1.95 plus 1.95 percent per withdrawal; ATM operators may add fees.
  • Card availability, limits, merchant treatment and conversion charges remain customer- and transaction-specific.
SRC-WISE-BUSINESS-BATCHWise Business batch paymentsWise · observed 2026-07-12
  • Verified Wise Business accounts can upload CSV or XLSX templates for batches of up to 1,000 payments.
  • Authorised team members can prepare batches, with configured approval requirements applying before release.
  • Batch availability, recipient details, funding, fees and timing remain subject to market and route conditions.
SRC-WISE-BUSINESS-TEAMWise Business team members and payment approvalsWise · observed 2026-07-12
  • Wise Business owners or authorised users can invite team members and assign account, transfer and card permissions.
  • Card spending limits and one- or two-person payment approvals can be attached to eligible team-member actions.
  • Permissions support separation of duties but do not guarantee fraud prevention, payment acceptance or uninterrupted access.
SRC-WISE-US-QUICKBOOKSWise Business QuickBooks integration in the United StatesWise · observed 2026-07-12
  • Wise documents supported currency-transaction feeds, bill payment and reconciliation through its QuickBooks connection.
  • The user selects currencies and grants data-sharing consent; region and third-party connection conditions can apply.
  • The integration does not prove every accounting object, historic record or workflow synchronises.
SRC-WISE-US-ACCEPTABLE-USEWise Acceptable Use Policy — United StatesWise · observed 2026-07-12
  • The United States policy was last updated on 25 March 2026 and applies when a customer accesses or uses Wise services.
  • Wise lists companies involved in cryptocurrency exchange or trading, including payments intended to purchase cryptocurrency, among unsupported businesses and transactions.
  • The restriction does not apply automatically to lawful Wise Multi-Currency Card transactions; the applicable card supplement remains a separate evidence gate.
  • Wise may decline restricted transactions, suspend or cancel payment orders, or withdraw service access.
SRC-WISE-US-PERSONAL-MULTICURRENCYWise personal multicurrency account in the United StatesWise US Inc. · observed 2026-07-13
  • Wise's United States page says eligible personal customers can hold 40 currencies and receive with account details for 20 currencies, subject to the current product flow.
  • The linked card can spend in additional currencies through conversion, which must not be presented as every spend currency being a held balance or local receiving detail.
  • Wise is not a bank; ordinary balances and the optional USD interest programme retain different safeguarding and conditional pass-through-insurance treatment.
SRC-WISE-US-HOLD-FEESWise United States fees for holding and converting currenciesWise US Inc. · observed 2026-07-13
  • The observed United States pricing page says holding more than 40 supported currencies is free.
  • Conversion uses the displayed exchange rate plus a currency- and transaction-specific fee, so free holding does not mean free conversion, receiving, sending or card use.
  • Supported currencies, account details, adding methods, limits and optional interest remain separate product conditions.
Airwallex source drawer

Airwallex is displayed as business finance platform in the United States.

SRC-AIRWALLEX-USAirwallex US Business AccountAirwallex · observed 2026-07-12
  • The US business account is for global payments, multicurrency funds, cards and expense workflows rather than consumer checking.
  • Airwallex US, LLC is registered as an MSB with FinCEN.
  • The product page's Grow-plan FAQ conflicts with the dedicated pricing page, so current plan cost must be confirmed from the live pricing flow.
SRC-AIRWALLEX-US-PRICINGAirwallex US plans and pricingAirwallex · observed 2026-07-12
  • The dedicated pricing page lists Explore at USD 0 per user per month, Grow at USD 12 per user per month plus a team-size platform fee, and Accelerate as custom pricing.
  • FX, SWIFT, payment-processing and other transaction fees remain separate.
  • The Grow presentation conflicts with the business-account FAQ, so NeobankDB does not present one uncontested Grow total.
SRC-AIRWALLEX-US-ELIGIBILITYAirwallex documents required for US companiesAirwallex · observed 2026-07-12
  • US-company onboarding can require tax ID evidence, formation documents, business evidence and beneficial-owner or controller identity information.
  • Sole proprietors and higher-risk business models have separate documentation requirements.
  • Documentation requirements establish an application path, not guaranteed approval.
SRC-AIRWALLEX-US-LICENCESAirwallex US state licencesAirwallex · observed 2026-07-12
  • Airwallex US, LLC identifies itself as licensed or authorised as a money transmitter in listed states.
  • Some US customers use Evolve Bank & Trust for payment services, while the Borderless Card is issued by Community Federal Savings Bank.
  • Partner-bank membership must not be rewritten as Airwallex itself being an FDIC-insured bank.
SRC-AIRWALLEX-US-BUSINESS-ACCOUNTAirwallex United States Business AccountAirwallex · observed 2026-07-12
  • Airwallex describes a US business-only global account for multi-currency collection, conversion, transfers, corporate cards and accounting integrations.
  • The page says a business can enrol in the Explore plan without an account-opening charge; transaction and product fees remain separate.
  • Global coverage statements do not prove every customer, currency, rail, local detail or recipient is eligible.
SRC-AIRWALLEX-US-PROTECTIONHow Airwallex protects United States customer fundsAirwallex · observed 2026-07-12
  • Evolve Bank & Trust, Member FDIC, provides payment services to certain US-based Airwallex customers.
  • Airwallex says eligible customer funds at Evolve are held in an omnibus account for customers' benefit and are intended to remain eligible for pass-through insurance to the extent permitted by law.
  • Airwallex itself is not a bank; customer eligibility, placement, ownership records, aggregation and FDIC requirements must not be replaced by a blanket insured-balance claim.
SRC-AIRWALLEX-US-CARDSAirwallex United States corporate cardsAirwallex · observed 2026-07-12
  • Airwallex describes virtual company and employee cards plus eligible physical employee cards, with card, category and time-period controls.
  • The page states that cards draw from the multi-currency balance and lists no foreign transaction fee when spending an available currency balance; conversion can still apply when the currency is not held.
  • Card availability, issuer, controls, rewards and limits remain customer- and programme-specific.
SRC-AIRWALLEX-US-PAYMENTSAirwallex United States payment acceptanceAirwallex · observed 2026-07-12
  • The US payment page lists domestic card acceptance at 2.80 percent plus USD 0.30 and international cards at 4.30 percent plus USD 0.30.
  • It lists local payment methods at USD 0.30 plus the method fee and describes platform and marketplace payment integrations.
  • Acceptance, settlement, disputes, conversion and method-specific conditions remain separate from the Business Account transfer price.
SRC-AIRWALLEX-US-GLOBAL-ACCOUNTSAirwallex United States Global AccountsAirwallex US, LLC · observed 2026-07-13
  • Airwallex describes business-only Global Accounts with local details in more than 20 currencies and receiving coverage across more than 70 countries, subject to eligibility and live coverage.
  • Received funds can be held in the Airwallex wallet, converted, spent or paid out; a local account detail is a collection route rather than proof of a separate bank deposit in every market.
  • Airwallex US, LLC remains a money transmitter, while eligible pass-through treatment for some US customer funds depends on the exact Evolve programme and legal conditions.
Bluevine source drawer

Bluevine is displayed as business banking fintech in the United States.

SRC-BLUEVINE-USBluevine Business CheckingBluevine · observed 2026-07-12
  • Bluevine says it is a financial technology company, not a bank.
  • Banking services are provided by Coastal Community Bank, Member FDIC.
  • The current page lists Standard with no monthly fee, Plus at USD 30 per month and Premier at USD 95 per month, with separate waiver and interest conditions.
  • Bluevine describes up to USD 3 million in FDIC insurance through Coastal Community Bank and program banks; this depends on pass-through, sweep and aggregation rules.
SRC-BLUEVINE-US-ELIGIBILITYApply for Bluevine Business CheckingBluevine · observed 2026-07-12
  • Applicants must be at least 18, own or represent a US-registered business and pass identity verification.
  • Supported entity types, owner countries and industries vary; applications remain subject to approval.
  • The process requests business, controller and 25-percent-or-more owner information and may require additional documents.
SRC-BLUEVINE-US-AGREEMENTBluevine Business Checking Deposit Account AgreementCoastal Community Bank and Bluevine · observed 2026-07-12
  • The agreement is effective 12 February 2026 and identifies Coastal Community Bank as the bank making the account and debit card available on behalf of Bluevine Inc.
  • Bluevine Inc. is the programme partner managing the Bluevine Business Checking programme; the demand-deposit customer is a commercial legal entity.
  • The agreement permits security, legal, regulatory and fraud-related holds, transaction limits, feature restrictions and requests for additional information.
  • Contract limits distinguish direct incoming ACH or wire, dashboard-initiated linked-account pulls, cash deposits, mobile checks, cards and withdrawals.
SRC-BLUEVINE-US-PLANSCompare Bluevine Business Checking plansBluevine · observed 2026-07-12
  • Standard is listed at USD 0 per month, Plus at USD 30 and Premier at USD 95, with separate fee-waiver requirements.
  • Current APYs are 1.3 percent for eligible Standard balances up to USD 250,000, 1.75 percent for Plus balances up to USD 250,000 and 3.0 percent for Premier without a stated interest balance cap.
  • Plan differences include payment discounts, five, ten or twenty sub-accounts, free mailed checks, fraud controls, priority support and conditional Treasury access.
  • Plus and Premier fee waivers require both the stated average balance and card-spend thresholds during the billing cycle.
SRC-BLUEVINE-US-FEESBluevine Business Checking feesBluevine · observed 2026-07-12
  • The 28 May 2026 schedule lists plan fees, ACH, check, wire, cash-deposit, ATM, international-payment, replacement-card and dormancy charges.
  • Standard ACH and incoming domestic ACH or wires are listed at USD 0; same-day ACH and outgoing wire charges fall by plan.
  • Cash deposits, out-of-network ATMs, express replacement cards, international payments and certain checks can carry fees despite the Standard plan's zero monthly fee.
  • The schedule says transaction counts are unlimited but amount limits in the account agreement and customer dashboard still apply.
SRC-BLUEVINE-US-INTERESTTerms of Interest Accrual for Bluevine Business CheckingBluevine · observed 2026-07-12
  • The interest terms are effective 12 March 2026 and establish the current APY and balance cap for each plan.
  • Standard customers must meet at least one monthly activity condition; Plus and Premier customers are automatically eligible under the current terms.
  • APY and eligibility can change under the account agreement and should be rechecked before publication or account selection.
SRC-BLUEVINE-US-LIMITSBluevine Business Checking account limitsBluevine · observed 2026-07-12
  • The 2 June 2026 article distinguishes unlimited transaction counts from account-specific transaction amount limits shown in the web dashboard.
  • Direct incoming ACH and wire transfers are listed without an incoming amount limit, while dashboard pulls may be reviewed or restricted.
  • Card purchases are listed up to USD 25,000 per day per card based on eligibility; cash, ATM and mobile-check limits remain method-specific.
  • Bluevine may permit higher limits or restrict transactions based on eligibility, review and risk controls.
SRC-BLUEVINE-US-SWEEPBluevine Business Checking Sweep DisclosureCoastal Community Bank and Bluevine · observed 2026-07-12
  • The disclosure lets Coastal arrange deposits across programme banks to increase potential FDIC coverage, subject to ownership category, aggregation and programme rules.
  • Deposits at the same programme bank in the same ownership capacity aggregate with deposits held outside Bluevine.
  • Funds can reach an excess bank above the applicable insured limit, programme banks can change, and customers cannot access programme-bank accounts directly.
  • Opting out leaves deposits at Coastal and removes sweep-related coverage above the standard maximum for the Bluevine account.
SRC-BLUEVINE-US-SWEEP-BANKSBluevine sweep network partner banksBluevine · observed 2026-07-12
  • The 10 June 2026 article lists the current Bluevine sweep-network banks.
  • The list may change without advance notice and must be checked with the sweep statement and disclosure rather than treated as permanent.
SRC-BLUEVINE-US-PAYMENTSBluevine domestic payment methods and processingBluevine · observed 2026-07-12
  • Bluevine documents standard and same-day ACH, domestic wire, mailed check and Bluevine Pay options with method-specific timing and fees.
  • Standard ACH and Bluevine Pay are listed without a Bluevine payment fee; other methods depend on plan and delivery method.
  • Payments can be one-time or recurring, and the dashboard supports payees, bill details, approvals and status tracking.
  • Bluevine currently states that its account is not compatible with Zelle.
SRC-BLUEVINE-US-USERSBluevine additional users, roles and permissionsBluevine · observed 2026-07-12
  • The 2 June 2026 guide describes Administrator, Authorized User, Accountant, Clerk and Employee roles with distinct permissions.
  • Additional users have separate credentials, while the account owner remains responsible for authorised transactions and fees.
  • Payment approvals, cards, statements, bill management, sub-accounts and external-account access are permission-specific rather than universal.
SRC-BLUEVINE-US-QUICKBOOKSConnect QuickBooks Online to BluevineBluevine · observed 2026-07-12
  • Bluevine supports a QuickBooks Online connection for bills, transactions and payee workflows.
  • The connection is configured through the web dashboard and payment sync for sub-accounts is not currently supported.
  • The integration is not evidence of every accounting field or workflow syncing bidirectionally.
SRC-BLUEVINE-US-SECURITYBluevine multi-factor authentication and fraud responseBluevine · observed 2026-07-12
  • Bluevine requires an MFA code for a new or untrusted device and currently supports SMS to a US cellular number as its MFA method.
  • A trusted device can sign in without a new MFA code; call-forwarding and Wi-Fi-only numbers are not supported for MFA.
  • Official fraud guidance lists phone, email and chat during stated business hours and warns customers never to share passwords, full card numbers or one-time codes.
SRC-BLUEVINE-US-INTERNATIONAL-OWNERSBluevine US business banking for international ownersBluevine · observed 2026-07-12
  • Eligible international owners must have a US-registered LLC or corporation, an EIN, a valid passport and residence in a supported country.
  • International-owner onboarding does not currently cover non-US business entities, sole proprietorships or nonprofits.
  • Lending, credit and Treasury products are not currently available to international owners, and other feature limitations apply.
SRC-FDIC-DEPOSIT-INSURANCEUnderstanding deposit insuranceFederal Deposit Insurance Corporation · observed 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
SRC-FDIC-PASS-THROUGHPass-through deposit insurance coverageFederal Deposit Insurance Corporation · observed 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
PayPal source drawer

PayPal is displayed as payment wallet with separate balance card savings and crypto products in the United States.

SRC-PAYPAL-US-AGREEMENTPayPal US User AgreementPayPal · observed 2026-07-13
  • The agreement is with PayPal, Inc., applies to US accounts and was last updated on 29 June 2026.
  • A business must be organised in, operating in or resident in the United States or a territory, and business activity requires a business account.
  • Ordinary business-account balances are unsecured claims against PayPal; PayPal is not a bank and is not FDIC insured.
  • A narrow Program Bank arrangement can apply when an enumerated programme condition is met; it is not a general business-balance protection claim.
  • The agreement separates free standard transfer to an eligible linked bank or debit card from fee-bearing Instant Transfer to an eligible linked bank or debit card for personal and business accounts.
SRC-PAYPAL-US-BUSINESS-FEESPayPal US merchant feesPayPal · observed 2026-07-13
  • The fee schedule applies to US accounts and was last updated on 29 June 2026.
  • Standard domestic PayPal Checkout is listed at 3.49 percent plus the fixed fee, while standard card payments are listed at 2.99 percent plus the fixed fee.
  • International, invoicing, alternative-method, conversion and other product fees use separate rows and conditions.
  • The current withdrawal table lists standard eligible bank or card transfer with no PayPal fee when no conversion occurs and Instant Transfer at 1.50 percent with a USD 0.50 minimum; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure.
SRC-PAYPAL-US-BALANCE-TERMSPayPal Balance Terms and ConditionsPayPal · observed 2026-07-12
  • PayPal Balance is provided by PayPal, Inc.; PayPal is not a bank and is not FDIC insured.
  • Ordinary Balance funds are unsecured claims against PayPal unless an enumerated PayPal Debit Card, Direct Deposit or personal cryptocurrency condition applies.
  • Eligible US-dollar balances are placed at Program Banks for conditional pass-through FDIC treatment; the protection is against Program Bank failure, is subject to aggregation and regulatory conditions, and does not protect cryptocurrency or PayPal failure.
SRC-PAYPAL-US-PROGRAM-BANKSPayPal Program BanksPayPal · observed 2026-07-12
  • The current list names Goldman Sachs Bank USA, Wells Fargo Bank, N.A. and JPMorgan Chase Bank, N.A. as Program Banks.
  • PayPal lists the exact personal and business conditions that make eligible US-dollar balance funds subject to possible pass-through FDIC insurance.
  • Other balance funds and all cryptocurrency are excluded from the stated Program Bank treatment.
SRC-PAYPAL-US-CONSUMER-FEESPayPal United States consumer feesPayPal · observed 2026-07-13
  • The schedule was last updated on 19 May 2025 and applies to US accounts.
  • It lists no PayPal fee for purchases without conversion, no fee for domestic personal payments funded by balance or bank, and 2.90 percent plus a fixed fee when funded by card.
  • It lists a 1.75 percent Instant Transfer fee with observed USD 0.25 minimum and USD 25 maximum, a 4 percent conversion spread for specified payment conversions and separate crypto fees and limits.
  • The current withdrawal table lists standard transfer to an eligible linked bank or debit card with no PayPal fee when no conversion occurs; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure.
SRC-PAYPAL-US-BALANCE-WITHDRAWALWithdraw funds from a PayPal accountPayPal · observed 2026-07-13
  • PayPal documents separate withdrawal from an eligible PayPal balance to a linked bank account or eligible debit card after money reaches PayPal.
  • The observed page lists standard bank transfer as typically one to three business days without a PayPal fee and Instant Transfer as typically within minutes with a fee, while bank processing, review, weekends and holidays can delay either path.
  • Failed bank withdrawals can return to PayPal and may incur a return fee; this downstream PayPal withdrawal is separate from Coinbase's preceding cash-out instruction.
SRC-PAYPAL-US-BANK-LINKINGPayPal requirements for linking a US bank accountPayPal · observed 2026-07-13
  • PayPal says the linked account must be with a United States bank and the bank-account name must match the PayPal-account name.
  • PayPal also lists account-link count limits, prior linkage, account limitations, negative balance, bank compatibility and failed confirmation as possible reasons linking is unavailable.
  • A bank's existence or ability to receive ACH does not prove that PayPal will offer it as a withdrawal destination.
SRC-PAYPAL-US-WITHDRAWAL-REVIEWPayPal withdrawal review guidancePayPal · observed 2026-07-13
  • PayPal says withdrawals are automatically reviewed and some can be held for up to 72 hours because of account activity, network, verification, limitation or destination-detail factors.
  • After review, a completed status begins the ordinary transfer timeframe; review time is not included in a minutes or one-to-three-business-day headline.
  • PayPal communicates review updates by email and says a withdrawal cannot be cancelled during the review.
SRC-PAYPAL-US-DEBIT-CARDPayPal Debit Mastercard Cardholder AgreementPayPal and The Bancorp Bank · observed 2026-07-12
  • The agreement was last updated on 26 January 2026 and identifies The Bancorp Bank, N.A. as card issuer.
  • The card is a personal debit card linked to PayPal Balance, not a credit card and not for business use.
  • Card error and unauthorised-transaction protections are subject to the agreement's notice and eligibility requirements.
SRC-PAYPAL-US-SAVINGSPayPal SavingsPayPal and Synchrony Bank · observed 2026-07-12
  • PayPal Savings is a personal deposit account provided by Synchrony Bank, Member FDIC; PayPal itself is not a bank.
  • A PayPal Balance account is required, and transfers into or out of Savings pass through PayPal Balance.
  • The page showed a 3.30 percent variable APY as of 16 June 2026; the rate can change and the FDIC limit aggregates eligible ownership-category funds held at Synchrony Bank.
SRC-PAYPAL-US-CRYPTO-TERMSPayPal Digital cryptocurrency terms and conditionsPayPal Digital · observed 2026-07-12
  • The current terms, last updated 19 May 2026, are with PayPal Digital, Inc., a New York limited purpose trust company.
  • Eligible consumer and business crypto accounts may buy, sell, hold, send and receive supported crypto assets through a linked PayPal or eligible Venmo account.
  • Crypto assets are not FDIC or SIPC insured and product features may vary by location and linked-account type.
SoFi source drawer

SoFi is displayed as licensed digital bank with opt in deposit network and separate crypto account in the United States.

SRC-SOFI-OCC-CHARTEROCC conditionally approves SoFi Bank, National AssociationOffice of the Comptroller of the Currency · observed 2026-07-13
  • The OCC approved SoFi Bank, N.A. as a full-service national bank and identified the acquired bank as FDIC insured.
  • The 2022 approval carried an initial crypto-activity condition; current crypto capability is established separately by SoFi Bank's May 2026 Crypto Account Agreement.
SRC-SOFI-CHECKINGSoFi Checking and SavingsSoFi Bank · observed 2026-07-13
  • SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
  • Opening either the cited checking or savings account also opens the other account under the current product presentation.
  • The deposit product and its insurance treatment are separate from the SoFi Crypto Account, investments, loans and digital assets.
SRC-SOFI-CRYPTO-AGREEMENTSoFi Crypto Account AgreementSoFi Bank · observed 2026-07-13
  • The agreement is with SoFi Bank, National Association and is effective 27 May 2026.
  • Eligible individuals may buy, sell and hold supported digital assets and may fund from a connected SoFi checking or savings account or another displayed method.
  • The SoFi Crypto Account is not a deposit or bank account; digital assets and supported stablecoins are not FDIC or SIPC insured.
  • The account is personal only, has no opening or monthly maintenance fee, and transaction fees or spreads are disclosed before authorisation.
SRC-SOFI-RATE-SHEETSoFi Bank Checking and Savings Rate SheetSoFi Bank · observed 2026-07-13
  • The current PDF is effective 28 May 2026 and separates SoFi Plus tiered rates, rates with eligible direct deposit or USD 5,000 in qualifying deposits, and standard rates.
  • Checking APY is 0.50% in the cited tables; savings conditions and balance tiers differ by subscription, account ownership and qualifying activity.
  • Rates are variable, qualifying activity is assessed on a rolling 31-day basis and the customer's in-account APY details control.
SRC-SOFI-FEE-SHEETSoFi Bank Fee SheetSoFi Bank · observed 2026-07-13
  • The current PDF is effective 18 May 2026 and lists zero monthly maintenance, minimum-balance, overdraft, inactive, checkbook, replacement-card and stop-payment fees.
  • It lists USD 30 for an outgoing domestic wire, 0.75% with USD 1 minimum and USD 30 maximum for outgoing Instant Transfers, and 0.50% for global remittance before applicable third-party costs.
  • Cash-deposit partners may charge up to USD 4.95 per deposit and out-of-network ATM operators may impose a fee.
SRC-SOFI-SIDP-TERMSSoFi Insured Deposit Program Terms and ConditionsSoFi Bank · observed 2026-07-13
  • The terms are effective 2 December 2025 and describe an opt-in programme in which SoFi Bank acts as customer agent, Stable Custody Group II LLC administers placement and The Huntington National Bank is the current custodian bank.
  • Programme deposits can be allocated to participating banks subject to account-by-account opt-in, legal ownership category, external same-bank aggregation, allocation, records, timing, capacity and programme limits.
  • SoFi Bank says it cannot guarantee coverage of all balances in all circumstances; the customer must monitor outside balances at participating banks.
SRC-SOFI-TRANSACTION-LIMITSSoFi Checking and Savings transaction limitsSoFi Help Center · observed 2026-07-13
  • SoFi says security limits vary with transaction type, amount, account age and activity.
  • The current public help page identifies a maximum USD 2,000 daily ATM withdrawal and USD 6,000 daily debit-card use.
  • These public maxima do not establish a guaranteed customer-specific limit or transaction approval.
SRC-SOFI-CASH-ACCESSHow to withdraw and deposit money with SoFiSoFi Help Center · observed 2026-07-13
  • The current page identifies the Allpoint network for fee-free SoFi withdrawals and Green Dot retail locations for cash deposits.
  • Cash deposits are not accepted at non-Green-Dot locations or at ATMs.
  • The fee sheet separately states that a cash-deposit partner may charge up to USD 4.95 per deposit.
SRC-SOFI-DIRECT-DEPOSITSoFi direct-deposit benefits and conditionsSoFi Help Center · observed 2026-07-13
  • The current page says there is no minimum eligible direct-deposit amount for the cited qualifying savings rate.
  • No-fee overdraft coverage has a separate USD 1,000 eligible-direct-deposit threshold and is limited to up to USD 50 of debit-card purchases.
  • Early-pay timing depends on when SoFi receives notice and is not guaranteed to be two days early.
SRC-SOFI-CONTACTSoFi customer support contacts and hoursSoFi · observed 2026-07-13
  • SoFi lists a 24/7 virtual assistant, with human-agent availability during published working hours.
  • Checking and Savings phone support is listed Monday through Thursday 5am to 7pm PT and Friday through Sunday 5am to 5pm PT.
  • NeobankDB has not tested queue time, resolution quality, complaint handling or availability.
SRC-SOFI-INSTANT-TRANSFERSoFi Instant TransfersSoFi Bank · observed 2026-07-13
  • The page describes outgoing transfers from SoFi Checking and Savings to eligible linked accounts using FedNow, with incoming transfers separately priced at zero by SoFi.
  • The cited outgoing price is 0.75% with a USD 1 minimum and USD 30 maximum; eligible SoFi Plus subscribers receive a stated discount.
  • Eligibility, linked-bank support, customer limits, network availability and transaction review still apply.
SRC-SOFI-AGREEMENT-ACCESSAccessing the SoFi Deposit Account AgreementSoFi Help Center · observed 2026-07-13
  • SoFi directs customers to retrieve the current Deposit Account Agreement after signing in through the Banking legal-agreements control.
  • The current full deposit agreement was therefore unavailable for anonymous public review.
  • The review must not infer unpublished eligibility, hold, closure, error-resolution or account-specific terms from marketing pages.
Cash App source drawer

Cash App is displayed as payment wallet with conditional bank program card brokerage credit and virtual currency services in the United States.

SRC-CASH-APP-US-TERMSCash App United States Terms of ServiceCash App · observed 2026-07-13
  • The agreement is with Block, Inc. and describes Cash App as a financial platform, not an FDIC-insured bank.
  • Eligible cash and savings balances may receive conditional pass-through insurance through Wells Fargo, Sutton and/or The Bancorp when Card or Sponsored Account conditions and FDIC requirements are met; pending, Bitcoin and investing balances are excluded.
  • Personal virtual-currency services require an eligible US-resident individual and may vary by state, territory, account and feature.
  • The terms list a USD 1 Paper Money Deposit fee after 29 June 2026, conditional Cash App Green benefits, risk-based limits, free-overdraft conditions and account error-resolution channels.
SRC-CASH-APP-CRYPTO-DISCLOSURESCash App Bitcoin and Stablecoin DisclosuresCash App · observed 2026-07-13
  • Block, Inc. provides Cash App virtual-currency services, with availability and licensing varying by state or territory.
  • Virtual-currency holdings are not protected by FDIC or SIPC and transactions can be irreversible.
  • Applicable purchase, sale, conversion and network fees are displayed at or before the order rather than treated as one universal rate.
SRC-CASH-APP-SAVINGSCash App Savings Terms of ServiceCash App · observed 2026-07-13
  • The terms were last updated 19 February 2026 and identify Block, Inc. as the Savings feature provider.
  • Savings is separately tracked from Cash App Balance, held by Block with a partner bank in pooled accounts for customers, and must move back to Cash App Balance before spending or ATM withdrawal.
  • Savings Yield has Card or Sponsored Account, tax-form, eligibility and variable-rate conditions; a negative Cash App Balance can be offset from Savings Balance.
SRC-CASH-APP-CARD-AGREEMENTCash App Prepaid Card Program AgreementCash App and Sutton Bank · observed 2026-07-13
  • The current agreement lists zero monthly and purchase fees, a 3% foreign-transaction fee, a USD 2.50 ATM withdrawal fee and separate card-replacement pricing before applicable waivers.
  • Cash App Green fee benefits depend on USD 500 of qualifying purchases or USD 300 of qualifying payroll deposits in the relevant month and can change.
  • Card disputes, unauthorised-transaction reporting, merchant, ATM, network and account limits remain governed by the agreement and live account state.
SRC-CASH-APP-CARDCash App CardCash App · observed 2026-07-13
  • Cash App describes a USD 2.50 ATM fee before operator charges and more than 40,000 in-network ATMs for qualifying Cash App Green customers.
  • Green status uses current qualifying-spend or qualifying-payroll-deposit activity; benefits are not permanent account entitlements.
  • Card spending depends on available Cash App Balance unless eligible overdraft coverage is enabled.
SRC-CASH-APP-SAVINGS-RATECash App Savings interest-rate guideCash App · observed 2026-07-13
  • The 1 May 2026 guide lists a 1.5% base APY with a Cash App Card and 3.25% with qualifying Cash App Green status.
  • The higher rate currently depends on USD 300 or more in qualifying direct deposits or USD 500 or more in qualifying Card or Cash App Pay spending each month.
  • Rates are variable, eligibility and tax-document conditions apply, and the live Savings display controls.
SRC-CASH-APP-INVESTINGCash App Investing Customer Account AgreementCash App Investing LLC · observed 2026-07-13
  • The agreement was last updated 12 February 2026 and identifies Cash App Investing LLC as an SEC-registered broker-dealer and FINRA/SIPC member.
  • DriveWealth LLC or Apex Clearing Corporation can execute, clear, settle and custody brokerage assets during a phased migration; a customer may temporarily have positions at both.
  • The trade screen, confirmation and statement identify the relevant carrying broker; brokerage assets, cash balances, Bitcoin and bank deposits retain different protection systems.
SRC-CASH-APP-BORROWCash App Borrow Loan AgreementFirst Electronic Bank and Block · observed 2026-07-13
  • The December 2024 agreement identifies First Electronic Bank as originator and issuer and Block and Square Capital in servicing roles.
  • Borrow is separately underwritten closed-end credit with transaction-time Truth in Lending disclosures, finance charge, due date and possible overdue consequences.
  • Availability, amount, state, credit review and repayment are not Cash App Balance or Savings features and are not guaranteed by Green status.
SRC-FDIC-PASS-THROUGHPass-through deposit insurance coverageFederal Deposit Insurance Corporation · observed 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
Coinbase source drawer

Coinbase is displayed as crypto exchange in the United States.

SRC-COINBASE-US-AGREEMENTCoinbase US User AgreementCoinbase · observed 2026-07-12
  • The individual agreement is with Coinbase, Inc. and was last updated on 29 June 2026.
  • Coinbase is not an FDIC-insured bank; eligible custodial cash and digital assets have different custody and protection treatment.
  • Digital assets are not FDIC or SIPC insured, while conditional pass-through treatment may apply only to eligible custodial cash held at specified institutions.
  • Coinbase eligibility, services and supported assets can vary by location and product.
SRC-COINBASE-PAYMENT-METHODSCoinbase payment methods — North America and LATAMCoinbase · observed 2026-07-12
  • The US methods table lists ACH, debit card, wire and PayPal with different buy, add-cash, cash-out and timing capabilities.
  • Generic ACH support does not prove that every bank or fintech permits a specific transfer; provider-specific terms remain a separate evidence gate.
SRC-COINBASE-US-CASH-CUSTODYHow Coinbase stores United States Dollar cashCoinbase Help · observed 2026-07-13
  • Coinbase says United States customer cash is held one-to-one in omnibus FBO accounts at insured financial institutions or in permissible short-duration liquid investments under state money-transmission laws.
  • Coinbase maintains the customer subledger and says pass-through treatment depends on accurate records and the receiver's determination; a customer must aggregate outside deposits held at the same institution.
  • Cash can move between insured accounts, United States Treasuries and government money-market funds, so a customer should not assume one placement or universal deposit-insurance result.
SRC-COINBASE-US-INSURANCECoinbase insurance and protection overviewCoinbase Help · observed 2026-07-13
  • Coinbase distinguishes limited corporate crime insurance for a portion of platform-held digital assets from personal-account credential losses and states that cryptocurrency is not covered by FDIC, NCUSIF or SIPC.
  • The May 2025 institution list names JPMorgan Chase, Cross River Bank, Customers Bank, VyStar Credit Union and Pathward for eligible Coinbase Inc or Prime cash placements, but it is stale and not an account-specific allocation record.
  • The page separately identifies Coinbase Capital Markets Corporation and Apex Clearing Corporation SIPC treatment for eligible securities accounts; settled cash swept back to the Coinbase Inc USD balance loses that brokerage treatment.
SRC-COINBASE-VS-ADVANCEDCoinbase and Coinbase Advanced product comparisonCoinbase Help · observed 2026-07-13
  • Simple Coinbase trades use a fixed preview quote that includes applicable fees and spread, while Coinbase Advanced uses an order book and a volume-based maker-taker fee model without an included spread.
  • Advanced adds order types, order-book data and API access, but complexity, execution, asset, jurisdiction and account conditions remain customer-specific.
  • Coinbase One benefits do not erase Advanced fees and can leave spreads or separate product charges in place.
SRC-COINBASE-ADVANCED-FEESCoinbase Advanced fee guidanceCoinbase Help · observed 2026-07-13
  • Advanced maker and taker treatment depends on whether an order immediately removes liquidity, and a partially matched order can incur both treatments.
  • The fee tier at order time is driven by rolling thirty-day United States Dollar-equivalent trading volume and updates hourly.
  • The complete current fee table requires an authenticated account; the public page says the preview controls and rates can change, so NeobankDB does not publish an unavailable universal percentage.
SRC-COINBASE-STAKING-RISKSCoinbase staking risksCoinbase Help · observed 2026-07-13
  • Staked assets cannot be sold or sent until unstaking completes, and standard unstaking can take hours to weeks depending on the asset and network while optional instant unstaking can carry a disclosed fee.
  • Network rewards are not guaranteed and Coinbase credits received rewards after subtracting its staking commission.
  • Slashing, protocol bugs, network conditions, malicious activity and other exclusions can cause loss; Coinbase replacement depends on cause and the governing agreement.
SRC-COINBASE-CARD-FEESCoinbase Card fees and tax guidanceCoinbase Help · observed 2026-07-13
  • The United States Coinbase Card is issued by Pathward, N.A. under a Visa licence and powered by Marqeta; it is unavailable in Hawaii according to the observed page.
  • Coinbase lists no transaction fee for spending supported balances and no Coinbase ATM fee, while crypto conversion spread, ATM-operator fees, taxes, limits and the card agreement remain separate.
  • Spending crypto triggers an automatic sale into United States Dollars and can create a taxable disposal; variable crypto rewards are optional and not guaranteed.
SRC-COINBASE-ONECoinbase One membership and benefit conditionsCoinbase Help · observed 2026-07-13
  • Coinbase One is a recurring membership with Basic, Preferred and Premium tiers and region-, eligibility- and account-specific benefits.
  • Observed simple-trade fee limits are USD 500, USD 10,000 and unlimited per month by tier, but spreads remain and Advanced, DEX and derivatives are excluded from that zero-fee benefit.
  • USDC and staking reward boosts, support levels, account-takeover protection, wire benefits and other features can vary or be removed; the live member page and governing terms control.
SRC-COINBASE-CUSTODY-MODESCoinbase exchange and self-custody wallet distinctionCoinbase Help · observed 2026-07-13
  • A Coinbase exchange account is custodial: the platform controls the private keys and account access can ordinarily use platform recovery procedures.
  • A self-custody wallet gives the user control of private keys and a recovery phrase; losing that recovery material can permanently remove access and Coinbase cannot restore it.
  • Coinbase-hosted balances, web3 wallet arrangements and self-custody products must not be treated as one custody or support model.
SRC-COINBASE-US-LICENSESCoinbase United States licences and entity disclosuresCoinbase · observed 2026-07-13
  • Coinbase publishes state-specific money-transmission and virtual-currency disclosures rather than one national bank charter.
  • Coinbase Custody Trust Company, LLC is a New York limited-purpose trust company for virtual-currency business and has its own institutional complaint path.
  • The custody trust entity and LMX Labs derivatives registration do not make a retail Coinbase Inc account a bank account, a securities account or an institutional custody account.
Varo source drawer

Varo is displayed as us chartered national digital bank in the United States.

SRC-VARO-OCC-CHARTEROCC presents Varo Bank its national bank charterOffice of the Comptroller of the Currency · observed 2026-07-12
  • The OCC presented Varo Bank, N.A. a full-service national bank charter and states the bank opened on 1 August 2020.
  • The charter establishes direct national-bank status rather than a partner-bank fintech arrangement.
  • A charter does not make every credit product, app feature, rate, fee or customer outcome a deposit fact.
SRC-VARO-BANK-AGREEMENTVaro Bank Account AgreementVaro Bank, N.A. · observed 2026-07-12
  • The February 2026 agreement governs a personal checkless demand deposit account directly at Varo Bank, N.A., Member FDIC.
  • It separately governs eligibility, account ownership, overdrafts, deposits, transfers, debit cards, cash access, fees, holds, foreign-currency transactions and closures.
  • Business use, joint ownership, secondary cards and optional products require separate treatment.
SRC-VARO-BANK-ACCOUNTVaro online bank accountVaro Bank, N.A. · observed 2026-07-12
  • Varo lists no monthly, minimum-balance, account or overdraft fee for the cited personal bank account.
  • The page lists more than 40,000 Allpoint ATMs, free qualifying CVS cash deposits and a $3.50 out-of-network or international ATM fee plus possible operator fees.
  • Early direct deposit, cashback, cash deposits, Advance and other optional services retain eligibility, timing, limit and fee conditions.
SRC-VARO-ELIGIBILITYApplying for a Varo Bank AccountVaro Support · observed 2026-07-12
  • Applicants need a supported device, active email, identity verification, age 18 or older and US citizenship or permanent residence at a physical address in the 50 states or District of Columbia.
  • Only one individually owned bank account is allowed; joint, secondary debit-card and business accounts are not supported.
  • Approval can take up to three business days and optional Savings, Believe or Advance accounts have further qualifications.
SRC-VARO-SAVINGSVaro online savings accountVaro Bank, N.A. · observed 2026-07-12
  • The variable APYs accurate 1 July 2026 are 1.00% generally and 3.75% on the first $5,000 for the following month when the cited $1,000 qualifying direct-deposit and positive-balance conditions are met.
  • Balances above $5,000 remain at 1.00% under the cited elevated programme, and rates can change at any time.
  • The savings account requires a Varo Bank Account and has no monthly, annual or minimum-balance fee under the cited page.
SRC-FDIC-DEPOSIT-INSURANCEUnderstanding deposit insuranceFederal Deposit Insurance Corporation · observed 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
Chime source drawer

Chime is displayed as us banking fintech partner bank deposit platform in the United States.

SRC-CHIME-SEC-10KChime Financial 2025 annual reportUS Securities and Exchange Commission · observed 2026-07-12
  • Chime Financial, Inc. identifies itself as a financial technology company, not a bank, and names The Bancorp Bank, N.A. and Stride Bank, N.A. as bank partners.
  • The filing describes checking deposits held through bank-partner omnibus accounts and savings funds placed through a community deposit sweep programme.
  • Chime states that pass-through FDIC coverage depends on conditions and is not determined by the FDIC in advance of a bank failure.
SRC-CHIME-BANCORP-CHECKINGThe Bancorp Bank Chime deposit account agreementThe Bancorp Bank, N.A. and Chime · observed 2026-07-12
  • The February 2026 agreement makes The Bancorp Bank, N.A. the FDIC-member bank and Chime Financial, Inc. the programme partner for the personal checking account.
  • It requires adult US legal residency, Social Security number verification, electronic delivery and bank acceptance and excludes business use and joint ownership.
  • The agreement separately governs cards, ACH, cash access, SpotMe eligibility, transaction limits, holds, fees and closures.
SRC-CHIME-STRIDE-CHECKINGStride Bank Chime deposit account agreementStride Bank, N.A. and Chime · observed 2026-07-12
  • The February 2026 agreement makes Stride Bank, N.A. the FDIC-member bank and Chime Financial, Inc. the programme partner for the personal checking account.
  • It documents pooled account treatment, a personal checkless account, virtual and physical debit cards, ACH and separate savings or secured-card products.
  • Issuer, limits, fees and feature availability must be resolved from the member's exact agreement and in-app state.
SRC-CHIME-CHECKINGChime checking account and fee scheduleChime · observed 2026-07-12
  • Chime lists no monthly service, minimum-balance or overdraft fee for the checking account and a $2.50 out-of-network ATM or OTC withdrawal fee, with operator fees possible.
  • SpotMe, MyPay, cash deposits, membership status, card use and other optional services retain eligibility, limit, state, timing and fee conditions.
  • The page states Chime is not a bank and that the partner bank, not Chime, is the FDIC member.
SRC-CHIME-ELIGIBILITYHow to open a Chime accountChime Help Center · observed 2026-07-12
  • The help page requires a valid Social Security number, US mobile number, age 18 or older, US citizenship or legal residence and a recognised US residential address.
  • Identity verification and requested documents can control acceptance; only one checking account per person is allowed.
  • The page states joint, business and secondary-card accounts are unavailable and that checking application does not use a credit check.
SRC-FDIC-DEPOSIT-INSURANCEUnderstanding deposit insuranceFederal Deposit Insurance Corporation · observed 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
SRC-FDIC-PASS-THROUGHPass-through deposit insurance coverageFederal Deposit Insurance Corporation · observed 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
Payoneer source drawer

Payoneer is displayed as licensed money transmitter business payment platform in the United States.

SRC-PAYONEER-NOT-BANKWhat is a virtual business bank account?Payoneer · observed 2026-07-12
  • Payoneer states that it is not a bank and does not provide traditional or virtual business bank accounts.
  • Receiving-account details must not be presented as bank accounts or deposit products.
SRC-PAYONEER-BUSINESS-PRICINGPayoneer business pricingPayoneer · observed 2026-07-12
  • Payoneer publishes business, marketplace and freelancer cross-border pricing, including US-specific payment-method examples.
  • The schedule says availability and exact pricing vary by jurisdiction, eligibility, account type, method and corridor.
  • The page does not by itself resolve the exact contracting entity and full availability for a US-registered business account.
SRC-PAYONEER-US-LICENSESPayoneer state licences and disclosuresPayoneer · observed 2026-07-12
  • The disclosure identifies Payoneer Inc., NMLS ID 1041524, and lists its current United States money-transmitter licences.
  • A money-transmitter licence supports payment services but does not make Payoneer Inc. a bank or turn customer balances into bank deposits.
SRC-PAYONEER-US-DFPIPayoneer Inc. regulated-entity recordCalifornia Department of Financial Protection and Innovation · observed 2026-07-12
  • California DFPI lists Payoneer Inc. as a regulated money transmitter under licence ID 2522.
  • The record independently confirms the United States operating entity and licence type without establishing bank status.
SRC-PAYONEER-SEC-2025Payoneer Global Inc. 2025 Form 10-KUnited States Securities and Exchange Commission · observed 2026-07-12
  • The filing describes Payoneer as a financial technology company and the Payoneer Account as a business-focused multi-currency payment account.
  • It states that Payoneer is registered with FinCEN as an MSB and licensed as a money transmitter where required in the United States.
  • Customer balances are direct claims against the company; underlying customer funds are held in dedicated bank accounts and can be invested in debt securities and term deposits.
  • The filing says the vast majority of relevant cash funds exceed applicable FDIC limits or are held where deposit insurance is unavailable, so NeobankDB does not attach a generic FDIC badge to Payoneer balances.
SRC-PAYONEER-MULTICURRENCYPayoneer multi-currency business accountPayoneer · observed 2026-07-13
  • The page describes one Payoneer Account with receiving details for USD, GBP, EUR, AUD, CAD, SGD, HKD, AED, MXN and JPY workflows.
  • It identifies United States USD receiving by ACH and states that availability remains subject to terms and eligibility.
  • The page lists USD local-bank-transfer receiving as free for customers in the United States while other customers can pay up to one percent.
SRC-PAYONEER-PAY-BALANCEPay using a Payoneer balancePayoneer · observed 2026-07-12
  • Eligible customers can pay another Payoneer account or a recipient bank account and can create batch payments of up to 1,000 transactions.
  • Fees depend on recipient location, currency, region and transaction volume; exact in-account pricing controls over marketing examples.
  • The payment service is for business expenses, suppliers, employees and tax authorities, not unrestricted consumer person-to-person use.
SRC-PAYONEER-WITHDRAWWithdraw Payoneer funds to a bank accountPayoneer · observed 2026-07-12
  • Payoneer describes withdrawals to verified personal or company bank accounts with country, currency and identity checks.
  • Bank transfers are described across supported countries, but speed, conversion and limits remain account- and corridor-specific.
  • India remains a separate flow in which received funds are automatically withdrawn to the local bank account under current guidance.
SRC-PAYONEER-WITHDRAW-FAQPayoneer Withdraw to bank FAQPayoneer Customer Care · observed 2026-07-13
  • Payoneer separates a customer-owned personal or company bank account under Your bank accounts from a third-party account under Recipient bank accounts.
  • Individual and company withdrawal-account names must match the Payoneer customer, and a newly added bank account is reviewed and usually takes up to three business days for approval.
  • Most confirmed withdrawals are described as same day or up to two business days, while fees, limits, currency conversion, feature availability and the live estimated deposit date remain account-specific.
SRC-PAYONEER-WITHDRAW-STATUSPayoneer bank-withdrawal status and return guidancePayoneer Customer Care · observed 2026-07-13
  • Payoneer directs customers to the Transactions page to track Withdrawal to bank records and download the confirmation for a bank trace.
  • If five business days pass without receipt, the customer should verify bank details and contact Payoneer when the details are correct.
  • Incorrect bank details can cause return to the Payoneer account within up to 14 business days; return is not immediate and retry should wait for final credit.
SRC-PAYONEER-BANK-NAME-MATCHPayoneer account and bank-account name matchingPayoneer Customer Care · observed 2026-07-13
  • Payoneer requires the bank-account holder name used during signup to match the Payoneer personal or company account name.
  • An eligible bank account under a different name belongs under Recipient bank accounts rather than the customer's withdrawal-account list.
  • The distinction prevents a supplier payment from being mislabeled as withdrawal to the customer's own bank.
SRC-PAYONEER-CARDPayoneer commercial card programmePayoneer · observed 2026-07-12
  • Card availability is conditional on region, customer eligibility and a stated minimum of USD 100 received in the prior six months.
  • Eligible customers may receive a Payoneer Business Premium Debit Mastercard issued by Payoneer Europe Limited or a Corporate Purchasing Mastercard issued by First Century Bank, N.A. and provided by Payoneer Inc.
  • Employee cards and spending limits are documented, but a card issuer does not turn the Payoneer Account balance into a bank deposit.
SRC-PAYONEER-SECURITYPayoneer Security CenterPayoneer · observed 2026-07-12
  • Payoneer documents two-step verification, authenticator-app and mobile push options, CAPTCHA, adaptive authentication, web application firewalls and transaction monitoring.
  • The page lists PCI DSS Level 1 and SOC 1 Type II and SOC 2 Type II assessments as company-reported controls.
  • These documented controls do not prove that NeobankDB independently tested account security or incident response.
SRC-PAYONEER-SUPPORTPayoneer account supportPayoneer · observed 2026-07-12
  • Payoneer states that Customer Care is available 24/7 through eligible live-chat, email, phone and WhatsApp channels after account sign-in.
  • Dedicated account-management benefits and fee or limit benefits remain account-, activity-, jurisdiction- and eligibility-specific.
  • Published availability does not establish response time or support quality.
SRC-PAYONEER-ERROR-RESOLUTIONPayoneer transaction or transfer error resolution policyPayoneer · observed 2026-07-12
  • The policy asks customers to report suspected errors or unauthorised transactions within 60 days and describes investigation timeframes.
  • The page provides a dispute path and a New York customer-service mailing address but does not guarantee a particular outcome.
SRC-PAYONEER-GOOGLE-PLAYPayoneer Business Payments on Google PlayGoogle Play · observed 2026-07-12
  • The US listing identifies Payoneer Inc. as the developer and showed a 4.1-star snapshot, about 157,000 reviews and more than 10 million downloads.
  • The app was listed as updated on 16 June 2026 and describes business payment, balance and withdrawal functions.
  • Store metrics are dynamic snapshots and do not become a NeobankDB reliability or support score.
SRC-PAYONEER-APPLE-APPPayoneer Business Payments on the US App StoreApple App Store · observed 2026-07-12
  • The US listing identifies Payoneer Inc. as the seller and documents iPhone, iPad and compatible Apple-platform availability.
  • Apple states that the developer-provided privacy information is not independently verified by Apple.
  • NeobankDB did not independently test the app or derive sentiment from individual reviews.
SRC-PAYONEER-STATUSPayoneer service statusPayoneer · observed 2026-07-12
  • The status page showed the listed Payoneer systems operational when observed and exposes recent incident and maintenance history.
  • A current operational snapshot is not evidence of a historical uptime percentage or a reliability score, and client-specific issues may not appear.
Mercury source drawer

Mercury is displayed as business banking fintech in the United States.

SRC-MERCURY-US-LEGALMercury legal and banking-provider disclosuresMercury · observed 2026-07-13
  • Mercury identifies Mercury Technologies, Inc. as a fintech company rather than an FDIC-insured bank.
  • Business banking services are provided through Choice Financial Group and Column N.A., both Members FDIC; the exact provider account and agreement remain customer-specific.
  • Mercury Treasury and Mercury Invest are separate Mercury Advisory, LLC investment-advisory products and are not bank deposits.
SRC-MERCURY-US-BUSINESSMercury business checking and savingsMercury · observed 2026-07-13
  • Mercury describes free business checking and savings, virtual and physical cards, ACH, wires, checks, invoicing, bill pay, permissions and accounting integrations.
  • The page advertises potential FDIC coverage up to USD 5 million through partner banks and sweep networks, subject to programme, ownership, recordkeeping and same-bank aggregation conditions.
  • Its FAQ names Choice Financial Group, Column N.A. and Evolve Bank & Trust, while current legal and business-disclosure summaries emphasize Choice and Column; the customer statement and governing agreement remain controlling.
SRC-MERCURY-US-ELIGIBILITYMercury business account eligibilityMercury Support · observed 2026-07-13
  • A business must be formed and registered in the United States or a US territory and provide legal, operating, source-of-funds, ownership and controller information.
  • International founders can apply for an eligible US-registered business, but principal-address, prohibited-country, industry, entity and verification restrictions apply.
  • Mercury and its banking providers retain approval discretion; submitted documents and general eligibility do not guarantee account opening or every product.
SRC-MERCURY-US-PRICINGMercury business pricing plansMercury Support · observed 2026-07-13
  • Mercury states that core business banking has no monthly, overdraft or minimum-balance fee and no Mercury fee for domestic wires, ACH or checks.
  • Plus, Pro and Enterprise subscription services add advanced workflow and support features under separate monthly or annual pricing.
  • International currency conversion, premium processing, API mass payments, Treasury, cards, third parties and other optional actions can carry separate fees.
SRC-MERCURY-US-SWEEPMercury Choice sweep programme agreementChoice Financial Group and Mercury · observed 2026-07-13
  • Eligible funds can be placed from a core bank into deposit accounts at programme banks on the customer-specific bank list.
  • Coverage depends on beneficial ownership, account titling, records, programme limits, same-bank deposits held elsewhere and the FDIC determination at bank failure.
  • A multi-bank sweep can expand potential coverage but does not create USD 5 million of insurance at one bank or protect balances above applicable programme and bank limits.
SRC-MERCURY-US-PAYMENTSMercury business payment methodsMercury · observed 2026-07-13
  • Mercury lists ACH, domestic and international wires, checks, bill pay, invoicing and accounting connections for eligible business accounts.
  • The current page lists USD 0 for ACH, domestic wires, mailed checks and USD international wires, while supported non-USD international wires use a stated one-percent currency conversion fee.
  • Displayed timing ranges remain provider-stated estimates; recipient, rail, currency, intermediary, premium-processing, limit, compliance and third-party conditions can change cost or arrival.
SRC-MERCURY-US-IOMercury IO qualification and card termsMercury Support · observed 2026-07-13
  • IO is a cash-underwritten business charge card whose balance cannot exceed eligible cash held with Mercury; Patriot Bank, N.A. issues the cited card.
  • Introductory daily repayment and higher-limit monthly or daily repayment paths depend on balance, account history, underwriting and in-product qualification.
  • The cited one-and-a-half-percent cashback applies to eligible settled purchases while approval, limit, repayment, card, fee and good-standing conditions remain separate.
SRC-MERCURY-US-TREASURYMercury Treasury eligibilityMercury Support · observed 2026-07-13
  • Treasury requires an approved Mercury business account, at least USD 250,000 in total deposits, supported physical location and an eligible entity type.
  • Mercury Treasury is offered by Mercury Advisory, LLC through an investment and brokerage structure, not by the business deposit-account banking providers.
  • Treasury securities can lose value, are not FDIC-insured bank deposits and use separate advisory, brokerage, yield and fee terms.
SRC-MERCURY-US-PARTNER-MIGRATIONSwitching Mercury partner banksMercury Support · observed 2026-07-13
  • Mercury says checking and savings accounts are provided through Choice Financial Group and Column N.A., while switching partner banks opens new provider accounts and transfers activity.
  • A migration requires new bank terms and can change routing details, account status and programme-bank placement; old accounts can be disabled.
  • Mercury's business page also mentions Evolve Bank & Trust, so the exact current provider must be read from the customer's statement and governing agreement.
SRC-MERCURY-US-DISCLOSURESMercury for Business disclosuresMercury · observed 2026-07-13
  • Mercury states that it is a fintech company rather than an FDIC-insured bank and identifies Choice Financial Group and Column N.A. as banking providers.
  • Mercury debit cards are issued by Choice or Column, while the IO charge card is issued by Patriot Bank, N.A.; these card roles do not reclassify Mercury.
  • Non-USD international wires have a stated one-percent currency-exchange fee and non-USD debit or IO card transactions can have a currency-exchange fee up to three percent.
SRC-MERCURY-US-PRICING-PAGEMercury public pricing comparisonMercury · observed 2026-07-13
  • The current pricing page lists the core Mercury tier at USD 0 per month and presents Plus and Pro as optional workflow subscriptions.
  • The observed annual-pricing view displays a fifteen-percent discount with Plus at USD 29.90 per month and Pro at USD 299 per month; monthly cadence and Enterprise custom pricing remain separate.
  • Plan features, ACH-debit transaction charges, reimbursement-user allowances, overages, taxes and optional products remain tier- and action-specific.
SRC-MERCURY-US-CARDSCreate Mercury debit and IO cardsMercury Support · observed 2026-07-13
  • Eligible funded accounts can create virtual or physical debit cards tied to a checking account with card-level controls.
  • IO remains a separately underwritten cash-underwritten charge card with its own limit, repayment, cashback and issuer conditions.
  • Mercury debit cards are issued by Choice Financial Group or Column N.A.; IO is issued by Patriot Bank, N.A.
SRC-MERCURY-US-ATMMercury debit-card ATM use and cash-deposit boundaryMercury Support · observed 2026-07-13
  • The current page lists up to USD 1,000 per physical debit card per business day and a USD 3,000 business-wide daily ATM cap.
  • Mercury does not support cash deposits through its partner-bank branches; checks, ACH transfers and wires are listed as funding alternatives.
  • ATM-operator charges, non-USD conversion, Mastercard-network, chip, card-type, dispute and customer-specific limit conditions remain separate.
SRC-MERCURY-US-CARD-LIMITSMercury card-limit controlsMercury Support · observed 2026-07-13
  • Admins or users with card-limit permission can set daily, weekly, monthly, permanent or temporary debit-card limits.
  • The page repeats a USD 1,000 per-card business-day ATM ceiling and USD 3,000 business-wide daily ceiling, with business-day reset conditions.
  • Recurring charges, force posts and preauthorisations can behave differently from a simple card-limit block and require transaction-specific review.
SRC-MERCURY-US-PAYMENT-LIMITSRequesting higher Mercury payment limitsMercury Support · observed 2026-07-13
  • Mercury assigns customer-specific ACH, wire and check-deposit limits rather than publishing one universal business limit.
  • An eligible web-dashboard flow can request a temporary increase with transaction context and supporting documents.
  • The provider states a typical one-to-two-business-day review response, which is not approval or payment-completion timing.
SRC-MERCURY-US-SUPPORTContacting Mercury SupportMercury Support · observed 2026-07-13
  • Signed-in customers can message support from the web or mobile dashboard; people without access can use the public contact flow or help@mercury.com.
  • Mercury states that messaging is available around the clock and typically receives a response within five minutes.
  • NeobankDB has not independently tested support availability, response time, resolution quality or escalation outcomes.
SRC-MERCURY-US-IO-ONLYMercury IO without a Mercury deposit accountMercury Support · observed 2026-07-13
  • An IO-only path is described as an invitation-only closed beta that does not require opening a Mercury deposit account.
  • It requires a supported external business account connection for underwriting data, autopay and cashback, with at least one primary connection maintained.
  • The IO-only limit, monthly repayment, Plaid connection, cashback, non-USD fee, eligibility and credit-reporting conditions remain separate from the standard deposit-linked IO path.
SRC-MERCURY-US-DISPUTESDisputing Mercury transactionsMercury Support · observed 2026-07-13
  • Settled debit-card, IO-card and eligible ACH-pull transactions can use the cited self-service dispute flow; pending, failed, internal-transfer and wire states use different paths.
  • Merchant disputes can take up to ninety days under the provider's description and filing does not guarantee recovery.
  • Freezing or replacing a card, evidence, reporting window, transaction type and investigator communication remain case-specific.
SRC-FDIC-DEPOSIT-INSURANCEUnderstanding deposit insuranceFederal Deposit Insurance Corporation · observed 2026-07-12
  • FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
  • Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
  • Balances at the same insured bank in the same ownership category are aggregated.
SRC-FDIC-PASS-THROUGHPass-through deposit insurance coverageFederal Deposit Insurance Corporation · observed 2026-07-12
  • Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
  • Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
  • If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.

Research required

These records are visible as gaps, not recommendations. They receive no “best” label and do not increase the verified provider count.