Dora vs Greenwood

Dora is a bilingual mobile checking app with no credit check, monthly fees or minimum balance required. Easily open an account with a passport, consular ID, ITIN or SSN. The Dora app is packed full of free features to help you manage your money along with the tools to help you grow your financial future. Manage your account, pay bills and deposit checks all from your phone. It’s your money – keep it that way with no monthly maintenance fees. The Dora app offers a free checking account built for everyone in a bilingual (Spanish and English) mobile experience. What you’ll love about the Dora checking account: ▪ Open an account with a passport, consular ID, ITIN or SSN. ▪ No credit check, monthly fees or minimum balance requirement ▪ Bilingual - Spanish/English experience ▪ Free Visa® debit card ▪ Receive & send money to anyone with a U.S. bank account ▪ Instantly transfer funds between Dora accounts with no fees ▪ Access to over 30,000 fee-free ATMs ▪ Deposit cash at over 88,000 retail locations* ▪ Deposit checks easily, right from your phone ▪ Early payday! Get paid up to 2 days early with direct deposit** ▪ Pay your bills right in the app ▪ Free personalized financial coaching ▪ Graduate to a Credit Union account At Dora, your account is safe & secure: ▪ 2 factor authentication ▪ Fingerprint & face ID verification ▪ Instant debit card freeze & unfreeze right in the app ▪ Backed by 5 credit unions Dora Financial is a marketing company, not a bank. Banking services are provided by USALLIANCE Federal Credit Union d/b/a USALLIANCE Financial. Member NCUA. The Dora Visa® Debit Card is issued by USALLIANCE Financial pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your card for its issuing credit union. *Service fees may apply. VanillaDirect Pay is provided by InComm Financial Services, Inc. (NMLS# 912772), which is licensed as a Money Transmitter by the New York State Department of Financial Services. Terms and conditions apply. **Early pay direct deposit is a benefit provided by USALLIANCE Financial and is not guaranteed; early deposit may be up to two days early of your actual payment settlement day but is contingent upon the receipt and successful processing of the deposit from your payor/employer. USALLIANCE Financial does not have control over when your funds are received from or sent by your payor/employer. For questions regarding your payment date, please speak with your payor/employer.

Greenwood is the new financial home for the Black and Latino communities. Become one of the 500,000+ who have joined the movement. When you open an account through Greenwood, you can save money, help the community, and get paid early. Greenwood is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Deposits are insured up to $250,000 per depositor. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. The Greenwood Debit Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International. DIGITAL SAVINGS AND SPENDING ACCOUNTS Whether you’re putting money aside to build towards your goals or seeking a spending account that makes your money go further, Greenwood has an account to support you. Open a savings account today with no minimum or monthly fees and earn 4.15% APY. Our spending account includes a Mastercard-branded debit card with a wealth of benefits including, zero liability, identity theft protection, and global emergency services. INVEST IN YOURSELF. NOT FEES. No overdraft - no fees No ATM surcharge fees at participating locations No minimum balance fees No peer-to-peer transfer fees JOIN US. PAY IT FORWARD. When you open an account through Greenwood, you save money and help the community. Recirculating wealth in our communities is at core of why we exist. Feed 5 meals to a family through Goodr when you create an account. Give to UNCF and NAACP through spare change round-ups. CONTACTLESS SERVICES USING APPLE PAY AND MOBILE DIRECT DEPOSIT FOR QUICK AND SECURE PAYMENTS. Pay at participating grocery, retail and other stores  with your mobile device Complete purchases online without entering your card number Get cash back with qualifying debit transactions. Maintain peace of mind with Mastercard's zero liability policy for unauthorized purchases. Deposit checks into your spending or savings account 24/7 right from your mobile device, no branch or ATM visits required. FEE-FREE ATM WITHDRAWALS WORLDWIDE Withdrawals at Allpoint, Moneypass, Wells Fargo and PNC ATMs are surcharge free. GET PAID EARLY With direct deposit, you may receive your payroll and other ACH deposits as soon as they’re available – often as much as two days before your actual pay date. EARLY DIRECT DEPOSIT Direct Deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. MASTERCARD ZERO LIABILITY POLICY Mastercard's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Mastercard. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. APY The Annual Percentage Yield (APY) for savings accounts through Greenwood is variable and is subject to change at any time. The disclosed APY is effective as of May 22, 2023. An account must have $0.01 in savings to earn interest. The national average is 0.40% APY as of May 15, 2023. Obtained from FDIC.