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Monyo is a financial technology company, not a bank. Banking services are provided by Partner Bank, N.A., Member FDIC. Deposit insurance covers funds held at Partner Bank, N.A. up to the applicable limits if Partner Bank, N.A. fails; it does not cover the failure of Monyo. The virtual account can’t be used to pay in stores or online. No overdrafts; balances don’t earn interest.

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