Sutton Bank
Ohio bank issuing Fold's US prepaid Visa programme

Ohio state-chartered, FDIC-insured bank and fintech programme issuer. Fold's current cardholder agreement identifies Sutton Bank as issuer of the Fold Visa Prepaid Card and Marqeta as programme manager. The card spends a US-dollar prepaid balance and earns bitcoin rewards administered by Fold; bitcoin and reward balances are not bank deposits, while eligible fiat funds may receive pass-through FDIC insurance only when programme conditions are met.