That's correct! You also get ACH bill pay (with bitcoin rewards for non-free members, 1 daily spin wheel spin (I tend to average 10 sats/day), and free withdrawals of purchased bitcoin (they pay the miner fee).
Additionally, you can deposit bitcoin and "push" it (sell) to the debit card for spending, so fiat deposits aren't the only option for adding funds to the account.
Man there’s a lot to fold that I need to understand. There’s a free, and a non free membership?
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Yes. https://foldapp.com/pricing
