Privacy Policy Template

Topkey is a financial technology company and is not a bank. Banking services provided by Thread Bank; Member FDIC. The Topkey Visa Debit & Charge Cards are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted.

Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.

*Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure and a list of program banks at https://thread.bank/program-banks. Please contact customerservice@thread.bank with questions on the sweep program.

Terms and conditions apply to the charge card rewards program. To redeem your Points Rewards, you must email us at support@topkey.io and provide the name of the Account holder with your request to redeem your Points Rewards. You may redeem your Points Rewards only if you are not delinquent in any amounts then owed to Topkey. The purchase of money orders or cash equivalents, and account funding made with your charge card are not eligible for charge card rewards. Please refer to the Topkey Charge Card Rewards Terms and Conditions.

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