InComm Benefits is a financial technology company, not an FDIC-insured bank. Banking services are provided by Coastal Community Bank, Member FDIC. The InComm Visa® Debit Card is issued by Coastal Community Bank pursuant to a license from Visa U.S.A. Inc. InComm spending accounts are FDIC insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met.