No. Adro is a financial technology company, and not a bank. Banking services like our checking account, savings account and credit card are provided by Stearns Bank N.A., Member FDIC.

In other words, we use innovation to increase access to banking products so they work better and cost less.

Even though we're not a bank, your money is still FDIC-insured through our bank sponsor, Stearns Bank N.A. FDIC insurance, backed by the US government, protects your deposits up to $250,000 per account type at each FDIC-insured bank. This means your money is safe, in case of a bank failure.