Qualifying Financial Account. In order to access and use Service, you must link and connect a qualifying financial account. This is defined as an account at a US-based financial institution in good standing with a federal functional regulator and/or FinCEN as defined under 31 C.F.R. 1010.100(r)-(s). Furthermore, in order to access Service, the linked qualifying financial account must provide for the issuance of a physical and/or digital debit card, credit card, cash management account card, and/or other financial service(s) card that accesses depository and/or investment funds used for the purchase of a good or service. (“Linked Card”). A Linked Credit Card must be additionally connected to a checking account, debit account, or cash management account in order to avoid interest charges or penalties.