Yes! Debit™

1 IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
2 Faster funding claim is based on a comparison of our 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. 4 days faster funding claim is limited to federal government benefit funds. 5 days faster funding claim is limited to Federal tax return funds regarding when funds are received from the IRS. IRS processing times will not be affected. For up-to-date information from the IRS, visit www.irs.gov/refunds.
3 We do not charge for this service, but your wireless carrier may charge for messages or data.
4 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.
5 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.

6 The optional Savings Account linked to your Yes! Debit™ Account is made available to Accountholders through Pathward®, N.A., Member FDIC. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

• If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.
• If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be .49% with an APY of .50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of May 1, 2023. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the Yes! Debit™ Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the savings account. Funds on deposit are FDIC insured through Pathward®, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward®, N.A., will be aggregated up to the coverage limit, currently $250,000.00.
7 No Account-to-Account Transfer Fee when completed online. A $4.95 Account-to-Account Transfer Fee applies via a Customer Service Agent. Other transaction fees, costs and terms and conditions may apply. Use of Account is also subject to funds availability. See Deposit Account Agreement for details.
8 Mastercard®, Pathward®, N.A., and Netspend® are neither licensed insurers nor licensed insurance intermediaries, and do not sell, solicit, nor provide advice on insurance products. The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company. Benefits are provided to you, the Yes! Debit™ debit cardholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility. Any insurance claim filed pursuant to your Mastercard sponsored insurance program by calling 1-844-878-1906 will be evaluated by AIG, or their authorized local representative, and, if accepted, will be paid by AIG. Coverage is determined by the terms, conditions, and exclusions of the policies applicable to your Yes! Debit™ debit card, as specified by the underwriter, and is subject to change with notice. The site does not supplement or replace the policy or Program Terms. Submission of a claim does not guarantee coverage or coverage availability.
9 Call 866-470-5491 or visit https://benefitscenter.idprotectiononline.com to activate the ID Theft Protection Services. The services are provided to you, the Yes! Debit™ debit cardholder, at no additional cost, but you must activate. Service provided by Generali Global Assistance, through an agreement with Mastercard® and Pathward®, N.A.. See your Guide to Benefits for terms and conditions and your Online Account Center for more details.
10 The Netspend® Network is provided by Netspend® Corporation and its authorized agents. Netspend® is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend® and other third parties in connection with use of the Netspend® Network.

Card may be used everywhere Visa debit cards are accepted.

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.

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