How your money is protected.
Rein is built to be trusted with the thing that matters most. Here's exactly how your money is held, how your account is locked down, and what a decline really means — stated plainly, not buried in fine print.
Held as a secured deposit. Not lent out.
Your balance sits as a secured deposit at our partner bank, a Member FDICinstitution. It isn't invested, isn't lent out, and isn't put at risk — it's collateral that doubles as the spending limit on your secured charge card.
FDIC insurance covers the failure of an FDIC-insured bank, up to applicable limits and subject to certain conditions being met. Rein is a financial technology company, not a bank.
- Not invested or lent out
- Doubles as your credit limit
- No overdraft traps or surprise fees
- Pass-through FDIC insurance, conditions apply
Locked down by default.
Modern security you don't have to think about — with controls right in your hand when you need them.
Biometric unlock and phishing-resistant passkeys guard access to your account and card details.
Freeze any card in a single tap. Nothing moves until you unfreeze it — no phone call required.
A notification on every transaction, with the envelope and remaining balance, so nothing is a surprise.
Online purchases can use a virtual card locked to one merchant, so a leak can’t be reused elsewhere.
Card details are revealed through a secure, tokenized flow — never stored in plain sight.
File a dispute from the transaction itself and track it to resolution inside the app.
On Rein, a declined swipe is your own rule firing — never a lack of funds, never an overdraft, never insolvency. It means the plan worked. Covering it takes one tap.
Money you can trust to hold the line.
Join early access to a spend-control account built to be taken seriously with your money.