Extra vs FutureMoney

Your best life starts with better credit. Swipe the Extra Debit Card daily to help track your purchases, build credit*, and earn reward points* on every purchase. • Less than 15 minute to apply ▪ No credit check required ▪ Earn up to 1% back in reward points* ▪ Get the best looking debit card ever ▪ Check out our plans and apply online on our website. HOW IT WORKS ▪ Sign up by connecting your bank account* and get a spending limit based on your bank balance* with no credit check. ▪ When you swipe your Extra Debit Card, we spot you for that purchase and automatically pay ourselves back. ▪ At the end of the month, we total up all of your transactions and report them to credit bureaus as credit-worthy payments. DOWNLOAD THE NEW AND IMPROVED APP You'll unlock: ▪ Exclusive content to help you make sense of credit ▪ Access to the Rewards Store ▪ Giveaways for MacBooks, PS5s, gas cards, and more. ▪ Easy card management ▪ More FOMO-inducing features coming soon BETTER CREDIT CAN HELP YOU ▪ Qualify for an apartment ▪ Buy a home ▪ Get a better interest rate on a car **Pricing and rewards availability will vary depending on plan and term selected. *Impact on your credit score may vary depending on your use. Extra is required to report both on time and late payments, which may negatively impact your credit score. Advertised credit claims are typical results for customers who use Extra as recommended and are based on a study using data from Experian. To learn more, visit extra.app/study. ¹The Aligned Company d/b/a Extra ("Extra") is a technology company, not a bank. The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. This Card can be used everywhere Debit Mastercard is accepted. Rewards points only available with rewards plan. Membership fees apply. Please refer to our Terms of Service and Cardholder Agreement for additional details. ²Increases or specific changes to your credit score are not guaranteed. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau's determination of your credit score either positively or negatively. Credit scores are independently determined by credit bureaus based on a number of factors, including your other financial transactions. Extra reports to Experian® and Equifax®. Extra and related services will not remove negative credit history from your credit report. ³To transact with your Extra Debit Card, you must have an active, Plaid-compatible bank account linked to Extra's services ("Partner Account"). If your Partner Account is disconnected from Extra services for any reason, you will not be able to use your Extra Debit Card. Within 30 days of the date of each transaction made using your Extra Debit Card, Extra will initiate one or more ACH debits to deduct equivalent funds from your Partner Account. These ACH debits typically deduct funds from your Partner Account within 2 to 3 business days after initiation by Extra or 14 days after your transaction depending on repayment program selected. This communication is for informational purposes only and should not be considered financial advice. THIS IS A LOAN SOLICITATION ONLY. THE ALIGNED COMPANY IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

FutureMoney is an investing app for people who love their kids, and want to turn everyday actions into lifelong advantages. Effortlessly invest to secure a better future for your family–whether they're toddlers, teenagers or somewhere in between. Secure their tomorrow with small contributions today. A little goes a long way when it comes to investing, especially if you invest early and often. That’s the power of compound growth. With FutureMoney, you’ll open an account for your kid and maximize their ability to grow their investments by giving them an 18-year head start. Even just $5 per week could set your kid up for a $1-million retirement account.* Raise better humans with lifelong learning. You have the option of a 529 plan that allows your money to grow tax-free. You can withdraw penalty-free for a wide range of educational expenses like K-12 tuition, a new school laptop, a study abroad program in Europe, college textbooks, trade school or graduate studies. FutureMoney makes it easy to support your kids’ development and learning for a lifetime.
 Invite loved ones to contribute and save more. Turn birthday and holiday cash gifts into long-term investments. Family and friends can easily contribute to your child's FutureMoney account, making their gifts work harder for your kids’ future.
 Keep more money with tax advantaged accounts. There are many different investment accounts. We believe a Junior Roth IRA is the best place to start building tax-advantaged generational wealth. This innovative account type starts as a 529 plan and rolls over to a Roth IRA once eligible, according to the rules of the Secure Act 2.0. Accessible, inclusive, built for real life Not every family starts with access to traditional wealth-building tools. FutureMoney makes sure that doesn't hold you back. We offer flexible pricing, sliding-scale fees based on household income, and transparent options. Start without a subscription fee and begin building your child's future in just a few steps—no pressure, no barriers.
 Portfolios Built by Experts You Can Trust No need to pick stocks or time the market. Our expert-managed portfolios handle everything for you, so your child’s future stays on track, effortlessly. You don’t need to be an investing expert. We guide you every step of the way, so you can focus on what matters most: your family. *Projections based on hypothetical 10% annual returns over 65+ years, and are not guaranteed. Investing involves risk of loss. Past performance doesn't indicate future results. Actual returns may be lower. Seek professional advice before investing. Only qualified withdrawals are tax-free. State tax treatment varies. 529-to-Roth rollover conditions apply. No taxes on investment gains in tax-advantaged accounts or eligible withdrawals (conditions apply). Note that Future Money Inc. nor its affiliates provide tax or legal advice. This information is provided for educational purposes only and should not be considered as advice. For full terms and conditions, please visit https://www.futuremoney.co.