Current vs Grid Money

Power up your paycheck when you switch to Current. Get paid faster, save smarter, and build credit with ease—all in one app. Join over 6 million members already banking with Current today. With Current you can: — Advance up to $1,000¹: Access more of your paycheck if you qualify. — Overdraft fee-free²: Breeze from payday to payday without hidden fees. — Get paid up to 2 days early³: Receive your direct deposit as soon as your employer sends it. — Build credit while you bank. — Earn 1% cash back on eligible categories with your Build Card⁴. — Enjoy 24/7 member support. — Access 40,000+ fee-free ATMs nationwide⁵. — Add cash in-store at locations like CVS, Walgreens, and McDonald’s. — Earn up to a 4.00% bonus on savings⁶ and save automatically with Round-Ups. See current.com/docs for full terms and conditions and current.com/legal_disclaimers for more info. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. ¹ For eligible customers only. Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank. T&C: current.com/docs/paycheck_advance_terms ² Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. T&C: current.com/overdraft_protection_terms_of_service ³ Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control. ⁴ For eligible customers only. To earn Points, you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period, and as applicable, make Build Card purchases at retailers whose merchant code is classified as either (i) Dining (e.g., restaurants) and Groceries (e.g., supermarkets) or (ii) belonging to the category or categories selected in the app, and complete other actions that Current may designate. Allow 3-5 business days for Points to post to your Current account. Points expire 365 days after they settle. T&C (including specific eligibility criteria): current.com/current_points_terms_and_conditions ⁵ Most AllPoint® ATMs are fee-free. To see if an ATM qualifies for fee-free ATM transactions, please check the Mobile App. ⁶ Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. T&C: current.com/boost_terms_of_service

Keep more of your paycheck and get cash when you need it with Grid. No interest, credit checks, or late fees. Just a simple $10/month for Grid+. CASH ADVANCES Get an advance when you need extra cash between paychecks. Up to $200* per advance with our Levels program. No credit checks needed and always transparent pricing. STOP OVERPAYING YOUR TAXES Keep fixes your withholdings so you're paying the right amount of tax every payday. More in every paycheck instead of one big refund next April. No interest, no repayment — it's your own money. NO CREDIT CHECKS Sign up is fast and easy through the app. Need help? We're always here to help. Reach out to us at support@getgrid.app *You must meet eligibility requirements to obtain an Advance. Your initial Advance limit will be less than $200 and may increase gradually over time. Advance limits are based on your account activity and balance(s), your direct deposits, your history of timely Advance repayments, your income and tax refund projections, and other risk-based factors. Your eligibility and Advance limit are evaluated regularly and may change at any time. You may only take one Advance at a time. Grid does not offer loans or credit products. There is no APR, no finance charge, and no loan obligation.