How we protect your deposits: FDIC insurance and beyond

When you deposit money with UltraBank Trust, you're not just trusting our app — you're benefiting from the same federal deposit insurance that protects accounts at traditional banks.

FDIC insurance basics

Deposits held at our partner banks are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, per ownership category. This coverage applies automatically — there's nothing extra you need to sign up for.

Beyond insurance

Insurance is the foundation, not the entire security model. We also employ:

• 256-bit TLS encryption for data in transit
• AES-256 encryption for data at rest
• Real-time transaction monitoring and anomaly detection
• Biometric and hardware key support for two-factor authentication

Our security team publishes regular updates on our compliance page. If you ever have questions about how your funds are held, our support team is available seven days a week.