![]() ![]() ![]() Schaubroeck’s right about the apps collecting data, but where does the information go and who is really profiting from it? “I don’t know a ton about that side of it.” “The purpose of these apps is to collect data mainly, from my understanding, but I don’t know for sure,” said Schaubroeck, who lives in Dominion City, Man. She scours flyers and websites, alerting her Instagram account’s 254,000 followers to supermarket sales and deals at the likes of Lululemon or Amazon.īut one of her tried and true savings methods - apps like Checkout51, Caddle, Drop, Eclipsa, which offer gift cards, points and cash back in exchange for uploading receipts, tracking purchases or completing surveys - poses a mystery to the savvy shopper. By funding a Starship account and then using the proceeds to purchase HSA-eligible items, a Starship account holder can effectively save an amount on each purchase equal to their highest applicable marginal federal income tax rate for the current year.When it comes to saving on groceries or trips to the mall, Nichole Schaubroeck is a pro. Savings will be less for individuals who are not in the top federal income tax bracket. †Savings reflect federal income tax savings applicable to the 2023 income tax year’s top marginal federal income tax rate. Always consult a professional tax advisor before making financial decisions with tax implications. It is the member’s responsibility to ensure eligibility requirements for contributions and qualified medical expenses. Investing involves risk investments are not FDIC insured and may lose value.Ĭontent presented is not intended as legal, tax, financial or medical advice. Brokerage services by DriveWealth LLC, member SIPC. ![]() Starship Securities, LLC is a wholly-owned subsidiary of Brighter Financial, Inc dba ‘Starship’. Investing Accounts and investment advisory services offered through Starship Securities, LLC, a registered investment adviser. Additional information on FDIC insurance can be found at. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. For a complete list of other depository institutions where funds may be placed, please visit. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Starship accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). Accounts subject to approval.Īny balances you hold with nbkc bank, including but not limited to those balances held in Starship accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. The rates are effective as of October 1, 2021, are variable and subject to change after the account is opened. We use the Spending Account’s end of day balance to calculate the interest earned that day. 04% APY on deposit balances $2,000 and above. 01% Annual Percentage Yield (“APY”) on deposit balances $0.01 – $1,999.99 and. ![]() Balances in your Starship Spending Account (“Spending”) earn. Spending Accounts and the Starship Visa® Debit Card provided by and issued by nbkc bank, Member FDIC. *Starship is a financial technology company, not a bank. ![]()
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