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

Highbeam is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. The Highbeam Debit card and the Highbeam Card is issued by Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. Highbeam Line of Credit is not a deposit product and is not provided by Thread Bank.

1. The interest rate on the Business Deposit Account is 0.75% with Annual Percentage Yield (APY) of 0.75% for accounts with balances of at least $100,000. The interest rate on the Business Deposit Account is 2.00% with Annual Percentage Yield of 2.02% for accounts with balances of at least $250,000. The interest rate on the Business Savings Account is 2.96% with Annual Percentage Yield of 3.00%. The interest rate on the Business Savings Account is 3.47% with Annual Percentage Yield of 3.52% 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 3.97% with Annual Percentage Yield of 4.04% for customers offered the high-interest tier that maintain a minimum balance of $5,000,000. The interest rates are accurate as of 1/27/25 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 placed at program banks in the Thread Bank 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 here and a list of program banks here. Please contact customerservice@thread.bank with questions on the sweep program.

3.1. 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.

3.2. International payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). Please see Currencycloud's Terms of Use here.

4. Cashback program subject to additional terms and conditions.