Mezu App Account funds balances are issued by MainStreet Bank. Mezu is an authorized representative of MainStreet Bank, and provides and operates a software platform that transmits user instructions among users and MainStreet Bank. All Mezu App Account funds balances in the United States are held and transferred by MainStreet Bank, member FDIC. Transaction fees, terms, and conditions apply to the use of Mezu App Account funds balances. See the User Agreement for details.