The short version
No monthly fees, no minimums, cancel any time.
Interest is variable and paid to your balance every second.
Your deposits are held by FDIC-member partner banks.
01
You must be 18 or older, live in the US and have a valid SSN. You agree that the information you give us is accurate, and that you’ll keep it up to date.
02
Your balance earns a variable APY, currently 4.60%. Interest accrues every second and is paid to your balance continuously. We’ll tell you in the app before the rate changes.
03
Dewpoint has no monthly fees, minimums or transfer fees. Instant withdrawals to a debit card are free up to $10,000 a day.
04
The Dewpoint card is issued by our partner bank. You can freeze it at any time in the app. Report a lost or stolen card right away so we can protect your balance.
05
To keep Dewpoint safe for everyone:
Don’t use Dewpoint for anything illegal or fraudulent.
Don’t try to access accounts or systems that aren’t yours.
Don’t reverse-engineer, copy or resell the app.
06
You can close your account any time from Settings. We’ll send your remaining balance, including interest earned to the day, to your linked bank account.
07
Dewpoint is provided as is. To the extent the law allows, we aren’t liable for indirect losses. Nothing in these terms limits the rights you have under consumer protection law.
08
We’ll give you at least 30 days’ notice in the app and by email before changes take effect. Continuing to use Dewpoint after that means you accept them.
Questions about these terms?
Write to legal@dewpoint.app and we’ll get back to you within two business days.
Sample text for this template, not legal advice. Replace it with your own policy before you publish.