Effective date: 27th of May, 2025
Dino Financial, Inc. is a financial technology company, not an FDIC-insured bank. Banking services are provided by Column N.A., Member FDIC. The Dino Platinum Card is a Visa® charge card issued by Column N.A., pursuant to a license from Visa. Payment of account balance is due in full daily. Monthly membership fees may apply. Card purchases may be eligible for cashback. See Dino Terms of Service for more information.
FDIC deposit insurance covers the failure of an insured depository institution. Deposits in Dino business checking accounts are eligible for FDIC insurance up to $250,000 per depositor, for each insurable capacity in which the account is held. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Deposits in Dino business checking accounts are FDIC-insured through Column N.A., Member FDIC and Column’s Sweep Program Network Banks.
Digital-asset services (including the Global USD Account and USDC) are provided by Dino Financial, Inc. in partnership with third-party providers. Digital assets are not bank deposits, legal tender, or covered by FDIC, SIPC, or any other government-backed insurance. USDC custody, conversion, and partner roles are described in the Global USD Account Terms of Use and related disclosures. Geographic, regulatory, and other eligibility limits apply, and are subject to change. Digital-asset transactions may be irreversible. Rewards are promotional rebates funded by Dino, not interest; current promotional rewards end 12/31/25. See the full Global USD Account Terms of Use for more details.
Dino Platinum users may be eligible to receive cryptocurrency in their legal entity name. Eligible transactions will be processed by Column N.A. Other cryptocurrency options may be available through your account at Bridge Building Inc. or Layer2 Financial, Inc. For those transactions, Bridge Building Inc. or Layer2 Financial, Inc., as applicable, will convert the cryptocurrency in your account to United States Dollars (USD) and transfer the USD to your Dino Platinum account. USDC and other stablecoin custody and transfer services are provided by Bridge Building Inc and/or Layer2 Financial, Inc., as applicable.
Slope is a financial technology company, not a bank. Business-purpose loans made by Lead Bank and subject to credit approval. Application and consent to obtain personal credit report is required. Subject to minimum revenue and business requirements. Personal Guaranty may be required. Fees vary based on risk assessment and loan term.
Advertised yield reflects the highest net yield for money market funds available in Dino Treasury as of the last business day, and assumes total Dino Treasury deposits of $500k+. Dino Treasury is an investment advisory account provided by Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser that Dino Financial, Inc. has engaged to offer you this program. See the Treasury documentation for context on balances and reporting, and Atomic Treasury disclosures for the advisory program.
The 7-day SEC yield for a money market fund is calculated by annualizing its daily income distributions for the previous 7 days. You should consider the investment objectives, risks, charges, and expenses of a money market fund carefully before investing. This and other information is found in the fund’s prospectus. Please read the prospectus before investing. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund. Yields fluctuate and past performance is no guarantee of future results.
Companies which are engaged by Atomic receive compensation of 0% to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and may receive a percentage of margin and free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC, and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please see the Form CRS, Form ADV Part 2A, and Privacy Policy. For more details about Atomic Brokerage, please see the Form CRS, General Disclosures, and fee schedule. You can check the background of Atomic Brokerage on FINRA's BrokerCheck. Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates, is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and fees and expenses charged. Advisory services through Atomic are not to be construed as tax advice or financial planning and do not take into consideration investments that clients may hold outside of Atomic.