BuoyFi is not a bank, it is a financial technology company. Banking services offered through BuoyFi and its partner Synapse are provided by BuoyFi and Synapse’s partner banks. BuoyFi and Synapse are not in the flow of funds. Your Savings Account is provided by BuoyFi and Synapse’s partner banks and may be used to pay your bills using services provided by BuoyFi partner BillGo. Use of the Savings Account is optional, and will be governed by a custody account agreement between the user and BuoyFi and Synapse’s partner banks.