BECOME AN EVERYDAY HERO Banking that rewards you for making an impact. Headquartered in NYC, Spiral is the world's first ethical banking app that rewards people for making a social impact, as we deeply believe that banking can be a force for good. We offer a powerful banking app that allows you to earn and make a social impact every day. JUST SWIPE AND MAKE AN IMPACT Shop at any restaurant, coffee shop, gas station, hotel, and more, and we'll donate to plant trees and provide clean water, meals, and safe shelter to people in need. EASILY SUPPORT CAUSES YOU CARE ABOUT Round up to the nearest dollar and use that money to support the causes you care about. (5) THE WORLD'S FIRST GIVING ACCOUNT Easily donate and discover over 1 million eligible charities across the U.S. We'll match your donation up to $150 a year. (3) We'll even help you track your charitable contributions for tax purposes. BYE-BYE MONTHLY FEES No minimum balance. No monthly fees. (1) No ACH transfer fees. EARLY MONEY, EXTRA MONEY Get rewarded for making an impact. Get paid up to two days early with direct deposit (2) MANAGE YOUR ACCOUNT EASILY Connect your external bank accounts, Venmo, Cash App, PayPal, Apple Pay, Google Pay, and more. PERSONAL CUSTOMER SERVICE We believe in people, not robots. Our personal customer service team is ready to help you with every need. FDIC INSURED All deposit accounts are issued by nbkc bank, Member FDIC. Deposits can be insured up to $250,000. (4) JOIN NOW IN LESS THAN 2 MINUTES Spiral is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC. 1- Spiral will charge your account $7 per month (for up to 6 months) if you do not make a deposit or withdrawal for 90 days. Interest posting is not considered a deposit for purposes of this fee. 2- Your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds. 3- Spiral matches donations up to $150 per year when you make a minimum donation of $5 per year. If you set up a monthly direct deposit of payroll of at least $1,000 to your checking or savings account (or a recurring incoming transfer of at least $1,000 to your checking or savings account), Spiral will match your donations up to the annual limits in the Donation Matching Table by visiting www.spiral.us/disclosures depending on the number of your monthly deposits. If at any time during the year you increase your direct deposit of payroll (or recurring incoming transfer) so that Spiral's annual match would be higher, Spiral will match at the higher amount. 4- Any balances you hold with nbkc bank, including but not limited to those balances held in Spiral accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Spiral accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/. 5- See Spiral Terms of Service for details.