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Truth In Savings - Disclosure

CIVYL Financial -Truth-in-Savings Disclosure


Regulation DD Compliance


Account Type: CIVYL Spending Account


Interest-Bearing: No

Minimum to Open: $0

Minimum Balance Requirement: None

Monthly Maintenance Fee: $0

Transaction Limits: No set limit; subject to fraud and compliance review

Deposit Insurance: Funds are held by our partner bank and are FDIC-insured up to $250,000 per depositor, per ownership category

Statement Delivery: Electronic statements provided monthly at no charge

Fee Schedule: See current fee schedule above

CIVYL Financial – FTC/UDAAP Disclosure

At CIVYL Financial, we believe financial services should be built on trust, fairness, and transparency. We are fully committed to complying with all applicable consumer protection laws, including those enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) under the UDAAP provisions (Unfair, Deceptive, or Abusive Acts or Practices).


WHAT THIS MEANS FOR YOU:


  • No hidden fees. All pricing and terms are clearly disclosed up front.
  • No misleading claims. Our advertising, app descriptions, and marketing materials are designed to inform—not mislead.
  • No confusing fine print. We aim to make our language as easy to understand as possible.
  • Respect for your rights. We will never take advantage of vulnerable situations, nor interfere with your ability to make informed financial decisions.

If you ever feel something we’ve done doesn’t live up to this standard, please contact us directly at compliance@civylfinancial.com so we can investigate and make it right.

Your financial peace of mind is our top priority.

We’re building the future of banking—with integrity.


© 2025 Civil Financial Inc. All Rights Reserved.

CIVYL® is a financial technology company, not a bank. Banking services are provided by partner banks. Your funds are held in Members FDIC-insured accounts, up to $250,000.00. 

Email: support@bankwithcivyl.com

Business Hours: Mon - Fri 9:00 AM - 7:00 PM ET

Follow on IG @civyl.app

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