Legal & disclosures
Rein is a financial technology company, not a bank. Banking services are provided by our partner bank, Member FDIC. The documents below explain how the product works, how your money is held, and the terms that apply while Rein is in early access.
How your money is held
Your balance is held as a secured deposit at our partner bank. It is not invested, not lent out, and not otherwise put at risk. That deposit serves as collateral and as the spending limit on a secured charge card. FDIC insurance covers the failure of an FDIC-insured bank, up to applicable limits and only when certain conditions are met; it does not protect against a decline in value of any product that is not a deposit.
Credit reporting
The Rein card is a secured charge card. When enabled, account activity and payment history may be reported to the major consumer credit bureaus. Building credit depends on many factors; individual results vary and are not guaranteed.
Early access
Rein is currently an early-access prototype. Nothing on this site is an offer of credit, a deposit account, or a solicitation. Features, availability, and terms may change before general availability.
Put your money on guardrails.
Join early access — and try the prototype to feel the decline-and-recover loop for yourself.