Security & Safety

Banking with built-in peace of mind

Multiple layers of security protect your funds, account, and data. Bank with confidence knowing your business is protected by enterprise-grade security.

Open Secure Account

Trusted by businesses

Enterprise-grade security standards

Up to $5M FDIC
Insurance coverage
97%+ Insured
Deposits protected
Bank-Grade Security
Multi-layer protection
Fund Protection

How we keep your funds safe

Your money is protected through multiple layers of security, FDIC insurance, and bank-grade safeguards designed specifically for business banking.

Your deposits are held in your name

Every Bark account is structured as an individual demand deposit account (DDA), giving you full ownership, transfer rights, and FDIC insurance eligibility by law.

Diversified by design

We spread your deposits across a network of FDIC-insured banks via our partner banks' sweep networks. The result is optimal, diversified banking — all through a single dashboard.

Up to $5M in FDIC Insurance

Made possible through our partner banks' sweep networks. 97%+ of deposits are FDIC-insured, giving you peace of mind that your business funds are protected.

Account Security

How we protect your account

Advanced security measures and monitoring systems work around the clock to protect your account from unauthorized access and fraud.

Automated fraud monitoring

Our world-class fraud detection and compliance teams work together to protect your account from unauthorized access and fraud.

Uncompromising MFA

We enforce multi-factor authentication across all your accounts.

Dark web monitoring

To prevent fraud attacks, we monitor the dark web for phishing domains, infostealers, malware, and account sales.

Access Controls

Controls that keep you in control

Granular permissions and spending controls give you complete authority over who can access what and when.

Set user permissions

Give the right level of access to the right people by assigning tiered user permissions to co-founders, accountants, and employees.

Customizable spend controls

Set up multi-layered, transaction approval rules and set daily, weekly, or monthly card limits for every employee.

Data Protection

Your data. Your eyes only.

Enterprise-grade data protection with industry-leading compliance standards ensures your sensitive business information stays secure and private.

Stress-tested by the best

On top of regular internal and external audits, we pressure test our own security system through bug bounty programs and red team assessments.

Robust encryption

We use strong, industry-standard protocols to keep your data safe and confidential, at rest and in transit.

PCI standards

We understand how important your credit card information is and we uphold PCI compliance to ensure it stays safe.

Experience a new standard in banking security

Join Bark and take advantage of advanced protection, FDIC insurance, and enterprise-grade compliance.

Up to $5M FDIC insurance
Open Secure Account

Your funds are FDIC-insured and held in your name. Enterprise-grade security included with every Bark account. No additional fees for security features.

Disclaimers and footnotes

Bark operates as a financial technology company and is not a bank insured by the FDIC. Piermont Bank, Member FDIC, provides all banking services. FDIC deposit insurance protects deposits in the event of an insured bank's failure.

Piermont Bank, Member FDIC, issues Bark Corporate Cards under licensing agreements with Mastercard®.

As a financial technology company, Bark partners with Piermont Bank, Member FDIC, to offer checking and savings accounts. While Bark itself is not FDIC-insured, deposits held at our partner bank are protected by FDIC insurance against bank failure. Sweep network banks may hold portions of your deposits. Pass-through FDIC insurance applies when specific conditions are met.

Piermont Bank, Member FDIC, issues Corporate Expense Cards through its Mastercard® license. Monthly repayments trigger automatic cashback credits to your designated checking account. Partial or early payments earn proportional cashback rewards. Account closure or terms violations may result in cashback forfeiture. Program terms are subject to modification with notice via email or website updates. For expense card inquiries, contact help@bark.finance.

Bark Securities, LLC, a registered investment adviser with the SEC, manages Bark Treasury with targeted annual net returns reaching 4.27% on uninvested cash balances. Yield figures current as of 08/12/2025, based on aggregate Bark deposits exceeding $20M.

Bark Securities, LLC, registered with the SEC as an investment adviser, provides advisory services for Treasury accounts. IBKR, a FINRA/SIPC member and registered broker-dealer, maintains custody of these accounts. FDIC insurance does not cover Treasury accounts. Consult the ADV Wrap Fee Brochure for comprehensive details regarding Bark Securities' advisory services.

Historical performance data presented represents limited time periods and should not be interpreted as predictive of future results. Investment returns fluctuate and cannot be guaranteed. Risk of loss exists for all investments, including potential loss of principal amounts invested. No assurance exists that any account will replicate illustrated profits or losses. Individual returns depend on numerous personal and market factors. Evaluate your financial objectives and program costs prior to investing. Past performance does not predict future outcomes.

While we consider our information sources reliable, we cannot guarantee their complete accuracy. This material does not constitute an offer to sell or solicitation to purchase securities. Its sole purpose is to gauge interest in Bark Treasury and provide background on our algorithmic investment approach. The Firm has compiled this information from sources deemed trustworthy, though absolute accuracy and completeness remain unverified.

Forward-looking statements within this document can be recognized by terminology including "believe," "expect," "anticipate," "should," "planned," "estimated," "potential," and comparable expressions.

Forward-looking statements encompass projections regarding financial status, operational results, and investment strategy performance. Multiple variables influence outcomes, including economic conditions at local and national levels, competitive dynamics, interest rate movements, regulatory and legislative developments, and technological, governmental, and market factors. These elements may cause substantial deviation between actual and projected results.

Target return figures represent performance objectives the Firm aims to achieve within specified timeframes. These projections indicate expected performance capabilities of our investment services. We present target returns to communicate risk management parameters for Bark Treasury and assist investors in portfolio allocation decisions. Such targets constitute neither guarantees nor commitments regarding future performance.

FDIC insurance does not apply to Bark Treasury. These products do not constitute deposits or obligations of Piermont Bank, nor does Piermont Bank guarantee them. Investment risks apply to all Bark Treasury products, with potential for principal loss.