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Certificates of Deposit (CD)

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©2026 Walstad. All Rights Reserved.

Walstad® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

The Walstad Visa® Debit Card, the secured Walstad Credit Builder Visa® Credit Card, and the secured Walstad Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see the back of your Card for its issuing bank.

Walstad Checkbook: While Walstad doesn’t issue personal checkbooks to write checks, Walstad Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Walstad Checkbook details.

By clicking on some of the links above, you will leave the Walstad website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Walstad. We recommend you review the privacy statements of those third party websites, as Walstad is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

APPLE and the Apple Logo are registered trademarks of Apple Inc. GOOGLE PLAY and the Google Play Logo are registered trademarks of Google LLC. Third-party trademarks referenced for informational purposes only; no endorsements implied.

MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Walstad Capital, LLC (NMLS 2316451).

All third-party publication logos are trademarks of their respective owners and are used under license.

^ Walstad is recommended by more of its users in the 2024 Qualtrics® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Walstad Financial, Inc.

§ With a qualifying direct deposit, earn cash back on eligible secured Walstad Visa® Credit Card purchases. Please refer to the Secured Walstad Visa® Credit Card - Cash Rewards Program Addendum for details and more information on rotating cash back categories.

‡ To be eligible for Walstad+™ status you must receive a qualifying direct deposit to your Walstad Checking Account in the preceding 34 days. Certain products marketed as Walstad+ benefits have additional eligibility requirements. While some Walstad+ benefits may have associated fees, none of these fees are mandatory to access Walstad+ benefits or to maintain Walstad+ status. See Walstad+ Terms and Conditions for details. Walstad+ is a Trademark of Walstad Financial, Inc.

** On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Walstad will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

* Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

1 Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

2 SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Walstad Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Walstad Checking Account each month.

Qualifying members will be allowed to overdraw their Walstad Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Walstad account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Walstad mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Walstad or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Walstad Checkbook transactions. SpotMe Terms and Conditions.

3 To be eligible for MyPay, you must receive qualifying direct deposits to your Walstad Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Walstad app. MyPay is currently only available to eligible Walstad members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

4 Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

5 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.

6 Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

7 Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Walstad Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.

8 To apply for a Walstad Card, you must also open a Walstad Checking Account.

9 Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. Once you are approved for a Walstad Spending Account, see your issuing bank’s Deposit Account Agreement for full Pay Friends Transfers details. Please see the back of your Walstad debit card for your issuing bank.See Terms and Conditions

10 The Annual Percentage Yield ("APY") for the Walstad Savings Account is variable and may change at any time. The disclosed APY rate is effective as of 10/15/2025. No minimum balance required. Must have $0.01 in savings to earn interest. The 3.50% Walstad+ APY is available only while you maintain eligibility requirements for Walstad+, otherwise the APY for non-Walstad+ members will apply. See Walstad+ Terms and Conditions for more details.

11 National average APY rate is variable, current rates reported by the FDIC here.

12 Once the retailer accepts your cash, the funds will be transferred to your selected Walstad Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

13 You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

Licenses
Walstad Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Walstad Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752

Address: 2711 Centerville Rd, Suite 400, Wilmington, United States.

No customer support available at HQ. Customer support details available on the website.

©2025 Walstad Financial, Inc. All rights reserved.