Enjoy unlimited 1.5% cashback on every Ando Visa Debit card purchase every day when you enroll in Change that Counts, access to paychecks up to 2 days early, the ability to increase your interest rate, and receive up to $200 in free overdraft protection. Plus, you can feel confident that 100% of your deposits are exclusively and transparently invested in companies that fight climate change. With no monthly fees or minimum balance, and access to the MoneyPass network of free ATMs, you can save money while joining a community of passionate users who share your commitment to saving the environment. Signing up takes less than five minutes.    THE BEST IN EVERYDAY BANKING  • Earn unlimited 1.5% cashback on every Ando Visa Debit Card purchase every day when you enroll in Change that Counts  ¹  • Receive up to $200 in free overdraft protection ²  • Enjoy fee-free withdrawals nationwide at over 34,000 MoneyPass ATMs ³  • Receive a one-time $25 bonus for setting up Direct Deposit  • Get access to your paychecks up to 2 days early with Early Pay ⁴  • Plant Earth-saving trees with Change that Counts™  • Avoid monthly fees and a minimum balance  • Earn the ability to increase your interest rate  • Give (and get) rewards for referring friends  • Transfer money effortlessly into your Ando accounts from an outside account   • Send and receive digital payments to and from friends  • Pay bills digitally or send a paper check as needed  • Add your Ando Visa Debit Card to your device’s wallet  • See all your account details, including your emissions reduction and rewards earned via the Impact Center    SAFETY AND SECURITY YOU CAN COUNT ON  • All deposits are insured up to $250,000 through Community Federal Savings Bank, Member FDIC  • Protection under Visa’s Zero Liability Policy  • Instant alerts keep you informed on all transactions  • Freeze your Ando Visa Debit Card should you notice suspicious activity  • Real-time support from Ando’s Customer Support Team    Learn more about Ando at andomoney.com.  ¹ Not all transactions qualify. See for details https://content.andomoney.com/documents/Ando_Cashback_Rewards.pdf.  ² Ando's Covered by Ando is an optional, no-fee service that requires direct deposits of $500 or more in qualifying direct deposits to your Ando account each month (31-day period). You will initially be allowed to overdraw your account up to $20 on debit card purchases after qualifying for the service, but you may later be eligible for a higher limit of overdraft protection--up to $200--based on your Ando account history, direct deposit frequency and amount, spending activity, and other risk-based factors. Your limit will be displayed within the Ando mobile app. You will receive notice of any changes to your limit, and that limit may change at any time, at Ando's discretion.  ³ Fee-free withdrawals MoneyPass® ATMs. Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.  ⁴ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.  ⁵ Ando's emissions reduction and financial rewards estimates are calculated using our proprietary modeling that uses national averages and factors in your account history and participation in Ando programs and promotions. Individual results may vary.  Banking services provided by Community Federal Savings Bank, Member FDIC. The Ando Visa® Debit Card is issued by Community Federal Savings Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.    Ando Inc. 2022