1 Overdraft protection (“ODP”) is an optional service offered to eligible spendwell accountholders by Pathward, National Association, Member FDIC. Overdraft protection eligibility requirements include (i) main accountholder has activated their personalized card; (ii) main accountholder has a positive available balance; (iii) main accountholder received direct deposits totaling $400 or more in the past 35 days. Once you enroll and meet eligibility requirements, a $15.00 overdraft fee will be charged to your account for each debit card purchases or ATM transaction that overdraws your account by more than $10.00 (via one or multiple transactions) and it is not paid back within 24 hours of the first transaction that caused you to overdraw your account. We will authorize overdraft transactions for ATM withdrawals and everyday debit card transactions; we will not authorize overdraft transactions for checks, ACH debit transactions, or automatic payments. Certain direct deposits from the State of California may disqualify you from overdraft protection eligibility. Must opt in to receiving text or email alerts. Once overdraft protection is activated on your account, you MUST continue to receive direct deposits totaling at least $200 to your account every thirty-five (35) days or we will deactivate your participation in overdraft protection. Subaccount users are not eligible to enroll. 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 may not pay an overdraft if you fail to meet the eligibility requirements or attempt too many transactions or transactions that create too large of an overdraft. This service may be 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. Additional details, requirements, terms, limits and fees apply. See Overdraft Protection Terms for details.

2. Cash reload outside of Dollar General locations incurs a fee of $3.95.

3. Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early. While this specific feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this account.

4. With the spendwell Unlimited 1% Cash Back card, earn 1% cash back on purchases (less returns/credits) rounded to the nearest dollar, added to your account after you use your card. Rounding purchases to the nearest dollar means that you won't earn a fraction of a penny in cash back. For example, a purchase of $0.01- $0.49 rounds to $0.00 (you don't earn cash back), a purchase of $0.50-$0.99 rounds to $1.00 (you earn $0.01 cash back), and so on. Account spend limits apply. Cash back is typically applied to your account promptly after your purchase but could take up to 60 days. Cash back can be redeemed and used only for future purchases at Dollar General. ATM transactions, fees and Online Bill Pay are not purchases and do not earn cash back. For full terms and restrictions, see the Deposit Account Agreement.

spendwell Bank Account is a demand deposit account established by Pathward^®, National Association, Member FDIC. spendwell account terms, conditions and fees apply. Please see the Deposit Account Agreement for complete details. Card can be used everywhere Visa^® debit cards are accepted. Card is issued by Pathward^® pursuant to a license by Visa U.S.A., Inc. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account