Spentra vs Paychex Pay

A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere. Money Earned® from Spentra is an employer-sponsored benefit. It was designed from the ground up to provide employees with a better option to get and manage their pay. Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. Your money is sent directly to your own debit card or bank account. If your employer already offers Spentra, just download the app, link your debit card or bank account, and begin to manage the money you know you have. If your employer does not currently offer Spentra, just have them contact us at info@spentra.com and we will be glad to make that happen. Take control of your money and align what matters to you…today. MANAGE YOUR PAY FROM THE SPENTRA APP Enroll in minutes directly from the app Link your own debit card and bank account Choose how you receive your money: to your debit card or to your bank account See your available earned wages anytime Review your transfer history in the app Friendly and responsive customer support Our patented benefit, Money Earned® *Standard message and data rates from your wireless service provider may apply. The Money Earned® service is provided by Spentra, LLC. See the app for terms and any applicable fees.

Seamless Banking¹ Solutions ¹Paychex is not a bank. Banking service provided by Central Bank of Kansas City, Member FDIC In today’s fast-paced world, convenience and speed are everything. Enter Paychex Pay℠, an online account established by Central Bank of Kansas City, Member FDIC. It comes with a Paychex Pay Debit Mastercard® and optional Savings Account to easily manage your finances all from a user-friendly app² GET PAID FAST Get paid up to 2 days earlier with direct deposit³ EASILY MOVE MONEY Move money⁴ between accounts or send money to a friend all within the app FAST CHECKOUT Pay at retailers with your contactless card or mobile wallets ADD MONEY QUICKLY Add funds via direct deposit, cash deposits⁵ at Mastercard rePower® locations, or mobile check deposit⁶ SAVING Save for your future with an optional savings account with no minimum balance required CASH BACK REWARDS Earn cash back⁷ for purchases made at various retailers MASTERCARD ID THEFT PROTECTION™ Alerts you to possible identify theft and provides you with resolution services if needed 2- Standard message and data rates from your wireless provider may apply. 3- In order for you to be paid early, your payroll or benefits payment provider must submit the deposit early. It is important to note that your payroll or benefits payment provider may not submit the deposit or payment early each payment period. Be sure to ask your payroll or benefits payment provider when they submit your deposit information to the bank for processing. Early deposit of funds will begin upon the 2nd qualifying deposit. A qualifying deposit is defined as a direct deposit greater than $5.00 received from the same payer 4 - Fees and limitations may apply. Consult the Deposit Account Agreement and Fee Schedule for complete details. 5 - Service fee up to $5.95 applies. Deposit and account balance limits apply. 6 - The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy available in the App. All checks are subject to approval prior to funding. Unapproved checks will not be funded to your Account. Approval review may take up to one hour. Fees and data rates may apply. Ingo Money, Inc. and First Century Bank, N.A., are not affiliated with Central Bank of Kansas City. 7 - Participating in Paychex Pay Rewards is optional, and you may opt-out at any time by calling 1-866-438-0579. Offers are based on your shopping habits. Cashback is earned by using your Paychex Pay Card for qualifying purchases and is credited to your account once the qualified purchase transaction is settled, depending upon the merchant. Central Bank of Kansas City is not affiliated with and does not endorse or sponsor the rewards program. For complete details, including the use of transaction data, see the Paychex Pay Rewards Terms of Service provided to you with the Deposit Account Agreement The Paychex Pay Deposit Account is established by Central Bank of Kansas City, Member FDIC. The Paychex Pay Debit Mastercard is issued by Central Bank of Kansas City pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Deposit Account and Card. If you have any questions regarding your Deposit Account or Card, you should consult your Deposit Account Agreement and Fee Schedule or contact us toll-free 24/7/365 at 1-866-438-0579