**Marygold & Co. is a financial technology company and not a bank. Deposits insured by the FDIC, up to the allowable limit by our issuing and deposit bank partner(s).

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.