DRAFT — pending review by counsel. Not yet in effect.

Referral fees

SquirrelsMoney is free. We may receive a referral fee from a bank or credit union when you open or fund an account through our links. That fee never affects which accounts we show or the order we show them in — our ranking formula has no access to it. Some accounts we recommend pay us nothing.

Not a bank

SquirrelsMoney is not a bank and does not hold deposits. Accounts we show are offered by FDIC-insured banks or NCUA-insured credit unions, or by financial-technology companies whose deposits are held at a named partner bank. For those, FDIC insurance applies only if the partner bank fails, through pass-through coverage, and only up to the limits.

Rates and bonuses

• APYs are variable and can change after you open an account. Each offer shows the date we last verified it.
• Sign-up bonuses have requirements set by the bank (such as direct deposits within a deadline) and may be reversed if you close the account early.
• Bonuses and interest are generally taxable income and reported on Form 1099-INT.

Not advice

Information on SquirrelsMoney is general and educational. It is not personal financial, tax, or legal advice.