Switch vs Affinity Plus Mobile Banking

Switch is the ultimate all-in-one payment app designed for you and your friends. Whether you’re splitting rent, planning a group trip, or organizing a charity event, Switch makes managing money together easy and hassle-free. Join over 100,000 college students and 1,000 Greek organizations who trust Switch to simplify their money and make something happen. Key Features Shared Bank Accounts & Debit Cards: - Create shared bank accounts with friends. - Instantly issue virtual and physical VISA debit cards to anyone. - Set spending limits, receive real-time notifications, and freeze or unfreeze cards with a tap. MoneyPools for Group Collections: - Easily collect money as a group with MoneyPools. - See who paid and who hasn’t in real-time. - Set collection goals, send out text blasts, and track contributions in real-time. - Enjoy seamless contributions via Apple Pay—no app download required for participants. - Perfect for events, weekend trips, rent, dinners and more. No Hidden Fees: - Enjoy a fee-free experience with no per-member, overdraft, account creation, or minimum balance fees. - Access 42,000+ fee-free ATMs at popular locations like Target, 7-Eleven, Walgreens, and more. - Transfer payments into Switch by bank (free), debit (1%), or credit (3%). Cash Back Rewards & Exclusive Perks: - Earn cash back rewards and enjoy exclusive offers at hundreds of retailers. Create business accounts for fraternities, sororities, and clubs - Create an account in less than two minutes. - Create spending accounts for every committee: social, brotherhood/sisterhood, meals, etc, each with their own permissions and controls. - Collect money faster with MoneyPools for philanthropies, dues, social events, formals, and merch drops. - Integrate with QuickBooks to simplify budgeting and accounting tasks. - Transfer account to new leadership super fast. Switch is the only free, organized way to manage group money—making it easier than ever to move money your way. Download Switch today and join the movement toward smarter, simpler financial management! ___________ PRIVACY AND SAFETY are our top priority. We're the most secure and HIPAA, SOC 2, & GDPR-ready chat out there. Regarding payments, we use Transport Layer Security (TLS) bank-grade encryption using 256-bit keys to keep your money safe. *Switch is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. The Switch Visa Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the term and conditions of the sweep program at https://thread.bank/sweep-disclosure and a list of program banks at https://thread.bank/program-banks. Please contact customerservice@thread.bank with questions regarding the sweep program. Pass-through insurance coverage is subject to conditions.

The Affinity Plus mobile banking app is loaded with features to make banking and managing your money as easy as possible. • Budgets: Set and track monthly budgets for different categories. • Net Worth: Track how your account balances compare to what you owe. • Add your card to your digital wallet for quick and secure payments on the go. • When you request a replacement card through the app, you’ll get a digital version to use right away. • Activate your new debit or credit card without having to call. • Spending Analysis: See how much you’re spending, and what you’re spending it on. • Cash Flow: Track the net amount of what’s coming in vs. going out. • Savings Goals: Set a goal amount and target date, and watch your progress. • On your dashboard, you decide which accounts and features appear, and where. • Choose Spanish as your preferred language. • Link to your external accounts with the Connect button on your dashboard, and see their balances along with your Affinity Plus accounts. • Choose from a variety of Multi-factor Authentication (MFA) options by going to Menu>Settings>Security>Authentication. • Get better transaction details, with the ability to edit their name and category for easier tracking. • Business Owners and Authorized Signers can give specific account access to other staff members. • Also for Business members: Use filters to create the reports you want, and download them as the file type you need. • Deposit checks from anywhere by taking their picture with the app. • With Stash Your Cash on the Transfer screen, you can set a checking account to round up all debit card purchases to the next whole dollar, then automatically transfer the difference to your savings. • Get security alerts, and choose from up to 16 Account Alerts that help you keep track of your savings, checking, and loans with reminders and confirmations that you can customize. • Easily switch between profiles that you add by going to Menu>Settings>Manage Other Profiles. • For extra security, peace of mind, and help with budgeting, use Card Controls & Alerts to set spending limits (per transaction or monthly) for your debit and credit cards; or just get transaction alerts for awareness. • On your dashboard, get free and easy access to your credit score, your full credit report, daily credit monitoring for fraud protection, and tips on keeping a great credit rating. • Go into any of your accounts to find your MyPlus Rewards points, and to redeem them for gift cards, travel, and more. • Enroll in Bill Pay from the app, and see your eBill amounts and due dates. • iPad Multitasking so you can split your screen and use another app at the same time. • On the Transfer screen, add another member’s account so you can transfer to them; or share a code with them so they can transfer to you. • Use Balance Transfer to easily bring an external credit card balance over to your Affinity Plus credit card. • Manage all your personal, credit card and business accounts and loans, and even view your Affinity Plus mortgage. • Find nearby ATMs and branches right from the login screen. • Contact us for help. • Get a pre-login peek at balances with Quick Balance (found on the Menu screen). • Manage Bill Pay. • Log in fast with Touch ID® or Face ID®. • Check recent transactions and initiate new ones. • Schedule and edit one-time or recurring transfers. • Apply for loans and credit cards, or open another account. ©2025 Affinity Plus Federal Credit Union 175 West Lafayette Frontage Road St. Paul, MN 55107 This credit union is federally insured by the National Credit Union Administration, and is an Equal Housing Lender.