NPF.U NextPoint Financial Inc

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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.

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Faster funding claim is based on a comparison of Republic Bank & Trust Company's 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 payer's support of direct deposit and is subject to the timing of payer's payment instruction.

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Mobile Check Capture is a service provided by Sunrise Banks, N.A. and Ingo Money, Inc., and subject to Sunrise Banks and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3-5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your Account. Unapproved checks will not be funded to your Account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your Account. See your Deposit Account Agreement for details.

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Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account typically within 60 days 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. Republic Bank & Trust Company, Visa and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program

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The Savings Account linked to your DEEPBLUE™ Debit Account is made available to Accountholders through Republic Bank & Trust Company, 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 1-1-22. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the DEEPBLUE™ Debit account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the savings account. All funds held on deposit by you at Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00, and insured by the FDIC.

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The Debit Card Overdraft Service is an optional service made available to eligible DEEPBLUE Debit customers by Republic Bank & Trust Company, Member FDIC. 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 one-time PIN and signature-based purchase transactions and ATM withdrawals. Other transactions including 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 833-954-1605 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.

DEEPBLUE™ Debit Account is a deposit account that is offered by Republic Bank & Trust Company, Member FDIC. Netspend is a service provider to Republic Bank & Trust Company. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Fees, terms and conditions apply