Terms of Use

Last updated: August 21, 2026.

Between Banks publishes general information about how US consumer money systems work. Using the pages does not make Halo or any writer your adviser, broker, CPA, or attorney.

Pages are provided as-is. We try to describe mechanisms accurately and to date-stamp numbers that move, but we do not warrant that a rule still reads the same way at the IRS, your bank, or your state.

If a decision would move your money, compare the page to a primary source and consider a qualified professional who can use your facts. Hypothetical examples are not your facts.

Unless a page says otherwise, text is written for this site. You may quote short excerpts with a link for commentary, research, or personal notes. Official government sources remain under their own terms.

Do not attack the host or misrepresent yourself as the publisher.

To the extent the law allows, the publisher is not liable for losses from using or not using the information here.

We may update these terms. The date above is the marker. Contact details, when they exist, are on the Contact page.