What is the severity of this clause?

ConductAtlas classifies this FDIC Insurance Aggregate Limit Applies Across Accounts clause as medium severity. Severity reflects the magnitude of rights affected, the breadth of users impacted, and the degree of discretion the platform retains.

Do other platforms have similar clauses?

Yes. ConductAtlas has identified similar FDIC Insurance Aggregate Limit Applies Across Accounts clauses across approximately 273 other tracked platforms. You can compare how platforms differ on this clause type in the cross-platform comparison view.

FDIC Insurance Aggregate Limit Applies Across Accounts — Venmo

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Recent governance activity Venmo recorded 2 documented changes in the last 30 days.

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This analysis describes what Venmo's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

How other platforms handle this

Zillow Medium

Any non-binding quotes provided by the Zillow Companies for Third-Party Providers' financial products are not intended to be official Loan Estimates as defined in the Real Estate Settlement Procedures Act or the Truth in Lending Act...

Shopify Medium

If you would like to submit a legally binding request to demand someone else's Personal Data (for example, if you have a subpoena or court order), please review our Guidelines for Legal Requests.

Faire Medium

YOU UNDERSTAND THAT FAIRE DOES NOT SCREEN OR INQUIRE INTO THE BACKGROUND OF ANY USERS OF THE SERVICES, NOR DOES FAIRE MAKE ANY ATTEMPT TO VERIFY THE STATEMENTS OF USERS OF THE SERVICES.

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▸ View Original Clause Language DOCUMENT RECORD

"
if you have a PayPal Balance Account and a Venmo account that are both held in your individual capacity...any balances you maintain in those accounts...will be aggregated for purposes of FDIC limits

— Excerpt from Venmo's Venmo User Agreement

Provision details

Document information

Document

Venmo User Agreement

Entity

Venmo

Document last updated

May 5, 2026

Tracking information

First tracked

July 9, 2026

Last verified

July 9, 2026

Record ID

CA-P-024653

Document ID

CA-D-00113

Evidence Provenance

Source URL

https://venmo.com/legal/us-user-agreement/

Wayback Machine

View archived versions →

Content hash (SHA-256)

3f71469ba50d3f12332c85c012da7b5a3441a2eb6efcb4db4b85ce1d7d7f9c87

Analysis generated

July 9, 2026 05:54 UTC

Methodology

summarize_document-v8

Evidence

✓ Snapshot stored ✓ Hash verified

Citation Record

Entity: Venmo
Document: Venmo User Agreement
Record ID: CA-P-024653
Captured: 2026-07-09 05:54:40 UTC
SHA-256: 3f71469ba50d3f12…
URL: https://conductatlas.com/platform/venmo/venmo-user-agreement/provision/CA-P-024653/fdic-insurance-aggregate-limit-applies-across-accounts/
Accessed: July 12, 2026

Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.

Classification

Severity

Medium

Other risks in this policy

180 Day Hold On Funds For Risk Or AUP Violation high
Arbitration Agreement Binding On All Disputes high
Arbitration Opt-Out 30 Day Window high
Class Action Waiver Prohibition high
IRS Reporting At 600 Dollar Threshold high
Jury Trial Waiver high

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Frequently Asked Questions

What does Venmo's FDIC Insurance Aggregate Limit Applies Across Accounts clause do?

The clause states: “if you have a PayPal Balance Account and a Venmo account that are both held in your individual capacity...any balances you maintain in those accounts...will be aggregated for purposes of FDIC limits”

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.

Is ConductAtlas affiliated with Venmo?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Venmo.