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Highbeam 2025 APY Promotion Program Terms and Conditions

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"Highbeam" and the Highbeam logo are registered trademarks of Highbeam, Inc.

Highbeam is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC insurance is available for funds on deposit through Thread Bank, FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Highbeam Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

1. The interest rate on the Business Deposit Account is .95% with Annual Percentage Yield (APY) of .95% for accounts with balances of at least $150,000; the interest rate on the Business Deposit Account is 1.17% with Annual Percentage Yield of 1.17% for accounts with balances of at least $250,000; the interest rate on the Business Deposit Account is 1.31% with Annual Percentage Yield of 1.32% for accounts with balances of at least $500,000; the interest rate on the Business Savings Account is 2.55% with Annual Percentage Yield of 2.58%; the interest rate on the Business Savings Account is 3.02% with Annual Percentage Yield of 3.07% for customers offered the high-interest tier that maintain a minimum balance of $1,000,000; the interest rate on the Business Savings Account is 3.46% with Annual Percentage Yield of 3.52% for customers offered the high-interest tier that maintain a minimum balance of $3,000,000. The interest rates are accurate as of 11/03/25 and are variable and subject to change based on the target range of the federal funds rate.

2. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at thread.bank/sweep-disclosure and a list of program banks at thread.bank/program-banks. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

3. International payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

4. Minimum balance requirements apply; see cashback program terms and conditions here.