Banking for Kauffman Fellows investors

Free checking through Essentials Checking available for up to three years from account opening on included services and there after will be subject to an account maintenance fee of $50 per month plus outgoing wire fees, Domestic and International, and Standing/Auto Drawdown/Reverse wire fees. If expanded or additional account and banking services are needed by a company during the first three years, outside of what is included with the Essentials Checking checking account and related services, these will be available only through a checking and banking account solution outside of the Essentials Checking checking account product, and subject to both applicable standard services fees, and a monthly account maintenance fee. Transactions processed, such as for overdrafts, NFS’s, returned and collection items will incur a fee as described in the Schedule of Fees. SVB does not provide a complimentary order of check stock. Eligibility requirements apply for Mobile Deposit.

For complete details about the SVB Innovator Card, including applicable fees and terms and conditions of the Card, please see the SVB Innovator Card Terms and Conditions. All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational and reference purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Certain terms, conditions, exclusions, and limitations apply, including a limit on cash advance capabilities.

This offer is only available for Innovator Card charge programs set up on rewards with company bill and company rewards. Offer expires 12/31/2026.

Rewards points and bonus rewards points are awarded 30 days (or up to 2 statement cycles) after meeting the offer criteria within the first 90 days of account opening. Criteria includes:

• 45,000 rewards points are awarded after $10,000 has been spent collectively between the cards within your program. When spending $10,000, you will earn 15,000 rewards points at an earn rate of 1.5x. You will receive an additional 30,000 bonus points for a total of 45,000 points.
• 250,000 rewards points are awarded after $60,000 has been spent collectively between the cards within your program. When spending $60,000, you will earn 90,000 rewards points at an earn rate of 1.5x. You will receive an additional 160,000 bonus points for a total of 250,000 points.

Clients will earn either the $10k spend / 45,000 reward points (30,000 bonus) OR $60k spend / 250,000 rewards points (160,000 bonus).

Terms and conditions apply. Offers subject to change without notice.

Mastercard is a registered trademark of Mastercard International Incorporated and is an independent third party and not affiliated with First Citizens Bank. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. EMVCo, LLC is an independent third party and not affiliated with First Citizens Bank.

This information is provided for educational purposes only and should not be relied on or interpreted as accounting, financial planning, investment, legal or tax advice. First Citizens Bank (or its affiliates) neither endorses nor guarantees this information, and encourages you to consult a professional for advice applicable to your specific situation. Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Banking and lending products or services are offered by First Citizens Bank. Accounts are subject to credit approval. Restrictions and limitations may apply.