CentKrest facilitates banking services through a partner bank, Member FDIC. The funds deposited in accounts held at our partner bank are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event the bank fails and subject to the satisfaction of certain conditions. The CentKrest Visa® debit card is issued by our partner bank pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services, such as money transfers and telecom services, are not FDIC-insured.