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Utoppia is not a bank. Utoppia Inc. is a technology services provider.

Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, “Synapse”). Synapse is not a bank and is not affiliated with Utoppia Inc. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA (https://www.finra.org/) and SIPC (https://www.sipc.org/). Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck (https://brokercheck.finra.org/firm/summary/137662). See Synapse Terms of Service (https://synapsefi.com/synapse-enabled-services-tos), Privacy Policy (https://synapsefi.com/privacy), and the applicable disclosures and agreements available in Synapse’s Disclosure Library (https://synapsefi.com/legal) for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks (https://synapsefi.com/list-of-program-banks).

Account opening and other banking services provided by Utoppia are subject to applicable United States law and the Terms of Service. Utoppia may refuse to open or maintain accounts that violate applicable United States law and the Terms of Service. By creating an account using Utoppia’s mobile phone application, otherwise using Utoppia’s services or signing an electronic signature card, you agree to Utoppia’s Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any and all applicable local laws.