Real Wallet

Real Wallet Business Checking Account and Debit Card
The Real Brokerage is a real estate technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. The Real Wallet Visa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. All accounts are subject to approval. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

FDIC insurance is available for funds on deposit via Thread Bank, Member FDIC.
Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions. 

Withdrawing funds from your Real Wallet Business Checking Account.
Withdrawal of funds is subject to availability. Fees may apply.

Real Wallet Tax Planning Business Checking Account
Real Broker Financial, LLC and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any tax savings, planning or other tax related transactions.

Rewards Wallet Rewards Program
The Real Wallet Rewards Program is subject to our Rewards Terms and Conditions https://bolt-custom-assets.therealbrokerage.com/wallet/Rewards-Program-Agreement.pdf. Points earned by debit card purchases will be credited to your account after settlement of the transaction. Points earned by average monthly account balance will be credited on or around the first day of the following month. ATM transactions, money orders or cash equivalent purchases, and account funding made with your debit card are not eligible for points through the Real Wallet Rewards Program. Please refer to our Rewards Terms and Conditions for more details.

Real Wallet Capital
Real Wallet Capital is a business loan product offered by either Real Broker Financial, LLC or Real Broker Lending, LLC depending on your state, and the lender for your loan will be identified in your loan agreement. Loans are available only in select states and require an active Real Wallet Business Checking Account and single-check commission payments. Loans are for business purposes only and may not be used for consumer or household purposes. Pre-approval and the potential loan amount are determined based on your business history and financial performance with The Real Brokerage. Pre-approval is not a guaranteed offer of credit. Final approval is subject to eligibility verification, underwriting, and review of account status, including outstanding advances and brokerage debts. Repayment terms include monthly payments of 2% of the outstanding balance plus variable payments tied to commission and revenue share income. For approved loans, same-day funding is generally available for applications submitted before 3:00 p.m. ET on business days; funding times may vary and are not guaranteed. Pre-qualification for Real Wallet Capital is evaluated periodically (typically weekly). Log in to reZEN to confirm current pre-approval status. All loans are subject to applicable laws and the terms of your loan agreement.

Growth Spending Bonus
Real Wallet Business Debit cardholders with accounts in good standing can earn 10 Points for every $1.00 in net eligible purchases at select marketing and growth service merchants. This promotion runs from March 16, 2026, at 12:00 a.m. ET through April 15, 2026, at 11:59 p.m. ET. Only qualifying purchases that post during this period are eligible. For a full list of qualifying Merchant Category Codes (MCCs) and complete offer details, see the full terms and conditions here.

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