How your money is protected.
Exactly how your money is held, which controls you have over the account, 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 is the spending limit on your debit 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 card limit
- No overdraft traps or surprise fees
- Pass-through FDIC insurance, conditions apply
Locked down by default.
The controls live in the app, and they take effect the moment you use them — no phone tree, no waiting on a support ticket.
Freeze any card in a single tap. Nothing moves until you unfreeze it — no phone call required.
Online purchases can use a virtual card locked to one merchant, so a leaked number can’t be reused anywhere else.
Give a payer its own account number, and Rein holds debits from anyone you haven’t recognized so you can approve or return them.
Each posted charge notifies you with its amount and envelope, and the notification opens straight to that charge.
Card details are revealed through a secure, tokenized flow — never stored in plain sight.
File a dispute from the transaction itself and follow its status in 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.
A decline you asked for.
Join early access to an account where the only thing that stops a charge is a rule you set.