> ## Documentation Index
> Fetch the complete documentation index at: https://help.dash.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Secured rewards program

> Understand how Dash.fi's pre-payment collateral model works, where your funds are held, FDIC coverage, and how to manage your pre-payment balances.

The Secured Rewards Program is how Dash.fi offers elevated cashback rates tied to pre-payments on your account. If you've funded your account with a significant balance or you're enrolled in the Card + Cash Program, this page covers how the program works, where funds are held, and how to manage your pre-payment balances.

## Frequently asked questions

<AccordionGroup>
  <Accordion title="How does Dash.fi offer elevated secured rewards?">
    Dash.fi's elevated cashback rate is tied to short-term credit terms and pre-payment held as collateral. The higher rate applies up to a cap based on the amount of your pre-payment; spend that exceeds the cap earns at a lower standard rate.

    This structure allows Dash.fi to offer a higher reward rate while maintaining the financial controls required to sustain it.
  </Accordion>

  <Accordion title="What is a pre-payment?">
    A pre-payment is an upfront deposit you make to increase your card's spend capacity beyond its standard daily limit.

    For example: if your account has a $100,000/day spend limit but you anticipate $300,000 in upcoming spend, you can pre-pay \$200,000 to cover the difference. Dash.fi acts as your agent to manage these pre-payments, which are held in reserve as collateral against your credit line.
  </Accordion>

  <Accordion title="Do I earn interest on my pre-payment?">
    No traditional interest is earned on pre-payment balances. However, participants in the Secured Rewards Program receive **annual loyalty rewards** in place of traditional interest. These loyalty rewards are **not legally classified as interest income**.

    Neither Dash.fi nor customers earn interest on funds held in demand deposit accounts (DDAs).
  </Accordion>

  <Accordion title="Where are pre-payment funds held?">
    Pre-payment funds are held in **demand deposit accounts (DDAs)** at Dash.fi's partner banks. These are dedicated accounts that hold your collateral separately from Dash.fi's operational funds.
  </Accordion>

  <Accordion title="Are my pre-payment funds FDIC-insured?">
    Yes. Dash.fi's partner banks are FDIC-insured institutions. Current partner banks include:

    * Security State Bank & Trust
    * Community Federal Savings Bank
    * TransPecos Bank
    * Patriot Bank
    * Wells Fargo
    * Choice Financial Group
    * Bank of America
    * Metropolitan Capital Bank & Trust

    <Note>
      Dash.fi's pre-payment accounts are **not** part of the IntraFi CDARS sweep program.
    </Note>
  </Accordion>

  <Accordion title="Are pre-payments held in my company's name?">
    Yes. All pre-payments are applied to your **corporate charge card account** and are held in your company's name. The primary sponsor bank is **TransPecos Bank** (legacy accounts may show **Patriot Bank** as the sponsor).

    Dash.fi accounts are corporate accounts only — personal accounts are not supported.
  </Accordion>

  <Accordion title="How do I request the return of pre-payment funds?">
    To request a return of your pre-payment funds, email [support@dash.fi](mailto:support@dash.fi) or contact your account manager directly. The team will confirm your request and initiate the process according to the applicable timeline.
  </Accordion>

  <Accordion title="How long does it take to get pre-payment funds back?">
    Returns are processed on a **quarterly basis, net-30**. Pre-paid collateral is locked until the next quarterly period, so plan accordingly if you anticipate needing access to those funds.

    <Warning>
      Pre-paid collateral is not immediately liquid. If you may need access to funds on short notice, discuss your options with your account manager before making a large pre-payment.
    </Warning>
  </Accordion>

  <Accordion title="What instructions can I give Dash.fi about my pre-payment funds?">
    You can instruct Dash.fi to do one of three things with your pre-payment funds:

    1. **Return to your operating account** — funds are sent back to the bank account on file
    2. **Apply to your card balance for spending** — funds are moved to your Dash.fi account to increase available spend capacity
    3. **Hold as collateral** — funds remain in the Secured Rewards Program to continue earning loyalty rewards and supporting your elevated cashback rate
  </Accordion>

  <Accordion title="Is this the same as a high-yield savings account (HYSA)?">
    No. The Secured Rewards Program is **not** a bundled high-yield savings account offering. The Dash.fi corporate charge card is issued in partnership with TransPecos Bank and Patriot Bank, and the pre-payment structure is a collateral mechanism — not a savings or investment product.
  </Accordion>

  <Accordion title="How do I access my account statements?">
    You can access your account statements at any time by logging in to [app.dash.fi](https://app.dash.fi). If you need statements delivered another way or have trouble accessing them, email [support@dash.fi](mailto:support@dash.fi).
  </Accordion>
</AccordionGroup>

## Still have questions?

The details matter when you're managing significant pre-payment balances. Reach out to [support@dash.fi](mailto:support@dash.fi) or your account manager for guidance specific to your account.