--- title: "Electronic Signature Disclosure and Consent" description: "Topkey Electronic Signature Disclosure and Consent — agreeing to electronic records and signatures." canonical: "https://topkey.io/legal/electronic-signature-disclosure-and-consent" language: "en" --- [Legal Agreements](https://topkey.io/legal) # Electronic Signature Disclosure and Consent Last updated: September 27, 2021 Version: 1.0 ‍ In this agreement, "we," "us," "our," and "Topkey" mean Topkey, Inc.. "You" and "your" refer to the business entity signing up for a Topkey account or using a Topkey product. "Communications" means disclosures, notices, agreements, fee schedules, privacy policies, statements, records, documents, and other information we provide to you, or that you sign and submit or agree to at our request. Topkey is dedicated to providing the best online banking experience possible, including providing information to you electronically. By accepting this agreement, you agree that you are willing and able to receive Communications in electronic form, and consent to receive Communications in electronic form. If you do not give your consent to receive Communications in electronic and not paper form, you may not open a Topkey account. If you withdraw your consent to electronic Communications at any point after providing consent hereunder, we reserve the right to terminate your Account. ## Delivery Methods We will deliver Communications to you electronically, either through the Topkey website https://www.topkey.io("Website"); the Topkey mobile app ("App"); text or SMS messages ("Text Messages"); or through electronic mail ("E-mail"). If we do not deliver Communications to you through the above manners, we will tell you where you can go to receive such Communications. We may be required by law to deliver certain Communications to you on paper even though you have consented to receive it electronically. ## Hardware and Software Requirements To receive and retain electronic Communications from Topkey, you will need the following: - A computer or mobile device with an operating system that supports everything below; - An internet connection; - A current version of a web browser that we support, including: Edge version 42 or higher, Firefox version 62 or higher, Safari version 12 or higher, or Chrome version 69 or higher; - A hard drive or other method of storing data; - A valid, active email address; and - A current version of a program that displays PDF files. ‍ We may update these requirements periodically in order to maintain our ability to provide electronic Communications; if these requirements change in a substantial way, we will notify you of the changes. ## Updating Contact Information It is your responsibility to maintain accurate and current contact information so that we may send you electronic Communications. You can update your email address and other contact information by logging into your online account at http://topkey.io  in the "Settings" section, or by emailing us at [support@topkey.io](mailto:support@topkey.io). ## Requesting Paper Copies We may choose to make paper copies of certain electronic Communications available upon request, but assume no obligation to do so. You may obtain a paper copy of an electronic Communication by printing it or by requesting we mail a paper copy. You may make requests for paper copies by emailing us at [support@topkey.io](mailto:support@topkey.io). ## Communications in Writing We are required by law to give you certain information in writing. All Communications delivered to you in either electronic or paper format will be taken as information delivered "in writing." ## Withdrawing Consent You have the right to withdraw your consent to this agreement at any time. Withdrawing consent will terminate your Topkey account, including access to our Website and Mobile App. A balance refund check may be issued you upon account termination in accordance with this Agreement. You may withdraw consent by emailing us at [support@topkey.io](mailto:support@topkey.io). ‍ ## Disclosures \*Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Topkey Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Topkey Visa charge card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere 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 Thread Bank places them at program banks in its 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. Pass-through insurance coverage is subject to conditions. 1 | The interest rate on the High Yield Deposit Account will be 2.93% with an Annual Percentage Yield (APY) of 2.97%. The interest rate on the Regular Deposit Account will be 1.52% with an Annual Percentage Yield (APY) of 1.53%. These rates are effective as of 9/17/26. These are variable rates and are subject to change after the accounts are opened based on the Federal Funds Rate. Minimum opening deposit and average balance requirements may apply. Fees could affect earnings on the account. Topkey does not provide tax, legal, or accounting services. All information on this site is for educational purposes only.