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*Starship is a financial technology company, not a bank. Spending Accounts and the Starship Visa® Debit Card provided by and issued by nbkc bank, Member FDIC. Balances in your Starship Spending Account (“Spending”) earn .01% Annual Percentage Yield (“APY”) on deposit balances $0.01 – $1,999.99 and .04% APY on deposit balances $2,000 and above. We use the Spending Account’s end of day balance to calculate the interest earned that day. The rates are effective as of October 1, 2021, are variable and subject to change after the account is opened. Accounts subject to approval.

Any balances you hold with nbkc bank, including but not limited to those balances held in Starship accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Starship 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/.

Content presented is not intended as legal, tax, financial or medical advice. It is the member’s responsibility to ensure eligibility requirements for contributions and qualified medical expenses. Always consult a professional tax advisor before making financial decisions with tax implications.

© 2024 Brighter Financial Inc.

Starship is a part of Optum and the UnitedHealth Group family of companies.

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