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See Future's Consumer Deposit Account Agreement and the FutureCard Visa Debit Cardholder Agreement.  

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² Future is not a bank. Banking services are provided by Piermont Bank, Member FDIC. The FutureCard Visa Debit Card is issued by Piermont Bank, Member FDIC, pursuant to a license from Visa USA Inc. Your funds are FDIC insured up to $250,000 through Piermont Bank; Member FDIC 
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