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Unifimoney, Inc. is not a bank. Bank deposit products provided by UMB Bank n.a., Member FDIC. To participate in the program, you must open an account at UMB Bank, through which your funds will be placed in accounts at participating program banks. The advertised interest rates are paid by participating program banks, not by UMB. Your funds will be FDIC insured up to applicable limits while in transit through UMB Bank. The information provided in your account application is being provided by you to UMB and Unifimoney simultaneously. Each of UMB and Unifimoney may use this information in accordance with its respective privacy policy. Upon acceptance of the application, an account will be opened with UMB Bank.The Unifimoney Visa Debit Card is issued by UMB Bank pursuant to a license from Visa Inc. and may be used everywhere Visa debit cards are accepted.
The Annual Percentage Yield (APY) as of 12/11/20 is 0.20% APY (0.20% interest rate). The calculation for APY is rounded to the nearest basis point. Both the interest rate and APY are variable and subject to change at our discretion at any time without notice.
FDIC insurance up to $250,000 (including principal & interest) per depositor per program bank. The insured amount increases up to $750,000 if the facilities at all three available program banks are being utilized. The cash balance you place through the program is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. If the number of program banks changes, the aggregate amount of available FDIC insurance could be higher or lower. If you have deposits at a program bank, you should consider electing not to use that bank by following the opt out instructions we provide. If you do so, the aggregate amount of FDIC insurance available to you will be lower. If you do not do so, your existing deposits and deposits through Unifimoney at that program bank will be combined for the purposes of FDIC coverage, which could result in some of your funds at that program bank being uninsured.
For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the program banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules.