Kittrell Pay vs Xpectations!® Plus

Create new credentials or sign in with your existing username and password, and access your Kittrell Paycard on the go! This release will allow you to check your balance, view past and pending transactions, freeze and unfreeze your card, and soon, set up bill payments! Enjoy! Your security is important to us. We use industry standard practices to protect and maintain the privacy and security of your information online and in our app. End User License Agreement: By downloading this app, you agree that your use of this web-based software and related services ("Kittrell Paycard Software") that facilitate online banking via your phone or other eligible mobile device is limited to the transactions provided for on the Kittrell Paycard Cardholer website. You further agree that your use of this Kittrell Paycard Software is subject to the Online Banking terms and conditions that you agreed to at enrollment as well as the additional terms described below. Not all of our Online Banking website services will be available on the Kittrell Paycard Software. For example, you will not be able to make payments to our affiliated companies from deposit account(s) using The Kittrell Paycard Software. In addition, the Kittrell Paycard Software might be inoperative from time to time for a variety of reasons including routine maintenance, system changes, and system failures. When this happens, our Cardholder website and related services might be unavailable. We will not be liable to you for any service interruptions or other unavailability of our Cardholder services. You agree that you will only use the Kittrell Paycard Software on a mobile device owned by you. You agree to keep your mobile device and sign in information secure. If you have lost your mobile device or believe that anyone has gained unauthorized access to your Kittrell Paycard Online Banking account via your mobile device or otherwise, you agree to advise us as provided for in our Online Banking terms and conditions. Kittrell Paycard or its licensors may provide or make available through Kittrell Paycard and/or its agents its Kittrell Paycard Software. Kittrell Paycard and its agents reserve the right to change, suspend, remove, or disable access to Kittrell Paycard Software at any time without notice. In no event will Kittrell Paycard or its agents be liable for the removal of or disabling of access to any such Kittrell Paycard Software. Kittrell Paycard may also impose limits on the use of or access to certain services related to Kittrell Paycard Software, in any case and without notice or liability, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF KITTRELL PAYCARD SOFTWARE IS AT YOUR SOLE RISK, AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. KITTRELL PAYCARD SOFTWARE IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTY OF FITNESS FOR PARTICULAR PURPOSE AND RELATED WARRANTIES AND REPRESENTATIONS. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY Kittrell Paycard WILL CREATE A WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. SHOULD KITTRELL PAYCARD SOFTWARE PROVE DEFECTIVE, YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

The convenience and value of a mobile debit account is now available in an innovative app to help Xpectations!® Plus customers manage their money, access full account features and get the protection they deserve.Xpect more with improved features, enhanced protection and low fees with the Xpectations! Plus Debit Card: • No monthly fees with $500 of eligible direct deposits¹ • $0 Purchase Transaction Fees² • Overdraft protection up to $300 with opt-in and eligible direct deposits³ • Get your payroll up to 2 days early, or government benefits up to 4 days early with direct deposits⁴ • Free nationwide ATM network, including all PLS stores⁵ • Transfer money from your linked debit card or bank account⁶ • Send and receive money using the SendMoney feature • Keep your money safe - lock and unlock your card⁷, contactless chip-enabled card, receive fraud text alerts⁸ • Free reloads at PLS when you load cash onto your Xpectations! Plus Debit Card⁹ Visit PLScard.com to learn more or stop into any PLS store to apply for an Xpectations! Plus Debit Card. Most stores open 24/7. Online access and identity verification (including Social Security, TIN or select US ID type or Foreign ID types) is required for card activation and to open an account. Mobile number or email address verification and mobile app are required to access all features. 1. Monthly fee waived whenever you receive payroll or government benefits direct deposits of $500 or more in the previous monthly statement period. Otherwise, $5 per month. 2. There are no pay per use fees on purchase transactions when you use your Xpectations! Plus Debit Card. 3. Up to $300 overdraft protection with opt-in and eligible direct deposits. Fees, terms, & conditions apply 4. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name, Social Security, TIN or select US ID type or Foreign ID type number on fi­le with your employer or benefits provider must match your Xpectations! Plus Debit Card account to prevent fraud restrictions on the account. 5. See app or website for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply. 6. Customer can transfer their funds from another debit card or bank account to their Xpectations! Plus Debit Card account in minutes for a small fee. Limits apply to bank transfers and are subject to your bank’s restrictions and fees. Bank account verification services provided by Plaid. Activated, personalized debit card required to make a bank transfer. See Deposit Account Agreement for terms and conditions. 7. Previously authorized transactions and deposits/transfers to your account will function with a locked card. 8. Message and data rates may apply. 9. There is no charge for cash reloads at PLS Check Cashers locations. Individual retailers other than PLS Check Cashers locations may charge a fee. 10. Activated personalized card, savings vault and enrollment are required. Purchases made using your debit card are rounded to the nearest dollar and the difference is automatically transferred to the designated savings vault. PLS may cancel or modify Savings Round Up at any time without prior notice. Transfers may be voided if the debit account does not possess sufficient funds. 11. Interest paid quarterly on the average daily balance of savings during the quarter up to a $10,000 average daily balance and if the account is in good standing.  Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) and 0.99% interest rate are accurate as of September 2025. APY and interest rate may change before or after you open an account. See Deposit Account Agreement for terms and conditions.