We only recommend checking accounts that have no account maintenance or activity fees. Fees may be assessed for additional services such as custom check orders, outgoing wires, or rush delivery. All fees are charged by the custodian. Global Advisers charges no fees for any checking or savings accounts. Funds deposited at the custodian are insured, in aggregate, up to $250,000 based on account ownership type, by the Federal Deposit Insurance Corporation (FDIC).

¹ Global Advisers is not a bank, nor is it affiliated with any bank. We provide banking information for our clients for informational purposes only. Clients are not required to open a checking or savings account with any of our custodians.

ATM fees are determined by the custodian and are subject to change without notice. If you use your Card to withdraw foreign currency from an ATM, or to pay for a purchase with foreign currency, the custodian may charge your account for the U.S. dollar equivalent of the transaction. Depending on the specific arrangements that are in place, the exchange rate will be determined by the bank at which you conduct the transaction, the network to which the ATM belongs, or Visa. APY is determined by the custodian.

Login security and software are developed and maintained by the custodian. Account security and related software are provided and maintained by the custodian. All mobile apps and related software are developed, provided, and maintained by the custodian. Mobile app features are subject to change without notice. Use of your card through a mobile wallet is subject to the terms and conditions of the Account Agreement between you and the custodian.

² Global Advisers clients are not required to open a checking or savings account with any custodian. We do not earn any fees on any banking products other than brokerage CDs (certificates of deposit). We include banking and checking services within the broader scope of financial planning because we believe it will be beneficial to most investors.