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Kestrel is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Calder Bank, N.A., Member FDIC, and/or Rivermont Trust Bank, Member FDIC. The Kestrel Visa® Debit Card, which may be issued by Calder Bank, N.A. and/or Rivermont Trust Bank, and the Kestrel Visa® secured charge card issued by Rivermont Trust Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Kestrel deposit account required to apply for the Kestrel Visa® secured charge card. Independent approval required.

Deposit Insurance

Kestrel is a financial technology company, not an FDIC-insured bank. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance up to $250,000 is available on customer funds through pass-through insurance at Calder Bank, N.A., Member FDIC, and Rivermont Trust Bank, Member FDIC where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met. There may be a risk that FDIC insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.

Faster Direct Deposit

Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits.

Fees

Some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see Kestrel Card Rates & Fees and the Kestrel Deposit Account Agreement.

Early Advance

Early Advance is offered by Kestrel Lending LLC, a financial technology company, not a bank and is for eligible customers only. Your actual available Early Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Kestrel Lending LLC. For more information, please refer to Early Advance Terms and Conditions.

Savings Jars

Boost Bonuses are credited to your Savings Jars within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Jar has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Jars is variable and may change at any time. The disclosed rate is effective as of March 6, 2026. Must have $0.01 in Savings Jars to earn a Boost rate of either 0.35% or 4.15% annually on the portion of balances up to $2,400 per Savings Jar, up to $7,200 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.15% you must have at least one Eligible Payroll Deposit equalling a minimum of $250. For more information, please refer to Kestrel Boost Terms and Conditions.

No-Fee Cushion

Actual cushion amount may vary and is subject to change at any time, at Kestrel's sole discretion. In order to qualify and enroll in the No-Fee Cushion feature, you must receive a minimum of $250 or more in Eligible Direct Deposits into your Kestrel Account over the preceding 35-day period and fulfill other requirements subject to Kestrel's discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to No-Fee Cushion Terms and Conditions. Individual Kestrel Accounts only.

Rewards

For eligible customers only. You may earn Points in connection with your Kestrel Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Kestrel designates as subject to the Kestrel Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Kestrel's sole discretion. After qualifying, please allow 3–5 business days for points to post to your Kestrel account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Kestrel Points Terms and Conditions.

Digital Assets

Digital asset services are powered by Ledgerline Markets LLC and Ledgerline Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell a digital asset, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Kestrel does not charge an additional trading fee. Digital asset transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Digital assets are not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of a digital asset is not a deposit or other obligation of, or guaranteed by, Calder Bank, N.A. or Rivermont Trust Bank. The digital assets in your Ledgerline account are not held at Kestrel, Calder Bank, N.A., or Rivermont Trust Bank. Kestrel, Calder Bank, N.A., and Rivermont Trust Bank are not responsible for the digital assets held in any Ledgerline account. Neither Kestrel, Calder, nor Rivermont Trust Bank is involved in the purchase, sale, exchange of fiat funds for digital assets, or custody of the digital assets. Terms and Conditions apply (platform and user agreements). Ledgerline Markets LLC and Ledgerline Liquidity Services LLC are licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.