Haven is a financial technology company, not an FDIC-insured bank. Banking services are provided by OMB Bank, Member FDIC. Deposits in checking and savings accounts are held at OMB Bank and are insured by the FDIC up to the applicable limits. FDIC insurance covers the failure of an insured bank. Certain conditions must be met for pass-through insurance coverage to apply. Fees, terms, and conditions apply to depositing and using your account.