1IMPORTANT INFORMATION FOR OPENING A CARD 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 a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, 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. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account willbe restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subjectto fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.
2Faster 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 preventionrestrictions 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.
3 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.
4 Fees for bank transfers are determined by the transferor's bank and may be charged to the transferor's bank account by the service provideror originating bank. No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 fee applies to each suchtransfer conducted through a Netspend Customer Service agent.
5 No charge for this service, but your wireless carrier may charge for messages or data.
6 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 and are not available in the formof a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additionaldetails about how and when you get rewarded. Program sponsor: Netspend Corporation. Republic Bank & Trust Company and Mastercard arenot affiliated in any way with this program and do not endorse or sponsor this program.
7 The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. To participate in the SavingsAccount program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject toInternal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest iscalculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
- If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%.
- If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion ofthe Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.
The interest rates and APYs of each tier may change. The APYs were accurate as of .These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account(maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholders identity. Forpurposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Republic Bank & Trust Company will be aggregated up to the maximum ammount permitted by law upon receipt of funds by the Issuer.
8 The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions maycreate up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See theCardholder Agreement for details.
9 Custom Card Fee applies. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacementcustom card requires resubmission of image and payment of Custom Card Fee; or (b) a replacement standard card requires payment ofstandard Replacement Card Fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.
The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Netspend is a registered agent of Republic Bank & Trust Company. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Card may be used everywhere Debit Mastercard is accepted.
© 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.
