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 deposit at our partner bank. It is not invested, not lent out, and not otherwise put at risk. That deposit is the spending limit on your Rein debit 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.

Debit card

The Rein card is a deposit-backed debit card. Charges settle from your deposit; there is no revolving balance and no APR. Unused funds may be returned to your linked bank account subject to applicable terms.

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.