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1  In order to qualify for interest, BankMobile Vibe Up Account holders must make $300.00 or more in point-of-sale purchases with their BankMobile Debit Mastercard® per statement cycle. Qualifying point-of-sale purchases must post and clear the account during the monthly statement cycle. Qualifying point-of-sale purchases may take one or more business days from the transaction date to post to the account. ATM transactions and point-of-sale refunds do not qualify. Annual Percentage Yield (APY) is accurate as of 11/9/2022. An interest rate of 0.50% will be paid for average daily balances up to $15,000.99 with an APY of 0.50%; average daily balances greater than $15,000.99 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000.99. The annual percentage yield for this tier will range from 0.50% to 0.38% depending on the balance in the account (calculation based on a $20,000.00 average daily balance). Interest rates and APY are variable and may change at our discretion at any time without notice. Fees may reduce earnings. A withdrawal from your account will reduce earnings. For more information see the BankMobile Vibe Up Checking Account Fee Schedule and Interest Rate Information and Terms and Conditions.

2 In order to qualify for a BankMobile Savings Account you must have a BankMobile Checking Account. Annual Percentage Yield (APY) accurate as of 11/9/2022. An interest rate of 0.50% will be paid for average daily balances up to $15,000.00 with an APY of 0.50%; average daily balances greater than $15,000.00 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000.00. The APY for this tier will range from 0.50% to 0.38% depending on the balance in the account (calculation based on a $20,000.00 average daily balance). Interest rates and APY are variable and may change at any time at our discretion without notice. Fees may reduce earnings. A withdrawal from your account will reduce earnings. Limit six (6) transfers or withdrawals per statement cycle. For more information see the BankMobile Saving Account Fee Schedule and Interest Rate Information and  Terms and Conditions.

3 Funds from payroll-related direct deposits may be made available up to two days early. Early access to payroll deposits applies to the direct deposit of funds from your employer. Employer direct deposits vary and, as a result, it is not possible to guarantee early access to your pay. Factors that will affect this include the sender’s deposit description used and the timing of their submission of deposit. In order to provide this service, we generally post such deposits on the business day we receive notice that the deposit is scheduled, which may be up to two (2) business days earlier than the payer’s scheduled payment date. In general, benefit checks (direct deposit or otherwise) from the federal or state government will not be eligible for early access based on the parameters we use. As an example, benefits that generally would not receive early access include but are not limited to unemployment, retirement, pension, civil service, railroad retirement and veteran’s payments.