Get more with a Yes! Debit™ Account and enjoy features that make life easier! • Get paid up to 2 days faster¹ with direct deposit • Earn cash back offers with Payback RewardsSM² • Enroll in optional Overdraft Service³ No credit check⁴ or minimum balance requirements to open a Yes! Debit™ Account. Shop in stores, online, pay bills—use it anywhere Visa Debit is accepted. Manage your money on the go with the Yes! Debit™ Mobile App⁵. Account opening is subject to registration and ID verification. Online access required to complete registration.⁴ 1 Faster funding claim is based on a comparison of the Pathward, N.A., policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction. 2 Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Pathward, N.A, and Visa are not affiliated in any way with this program and do not endorse or sponsor this program. 3 The Debit Card Overdraft Service is an optional service made available to eligible Yes! Debit™ customers by Pathward, N.A. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Transactions subject to an overdraft fee are signature and PIN purchase transactions and ATM transactions. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Call us at 1-833-954-0799 or log in to your Online Account Center for additional terms and conditions that apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service. 4 ID verification required. We will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Restrictions apply. See YesDebit.com or card order page for details. 5 We do not charge for this service, but your wireless carrier may charge for messages or data. The Yes! Debit™ Account is a demand deposit account established by Pathward, National Association, Member FDIC, and the Yes! Debit Card is issued by Pathward, N.A., pursuant to a license from Visa U.S.A. Inc. Netspend is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. © 2022 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.