Percapita vs CreditU

Smarter spending. Easy saving. Real rewards. Take control of your money with Percapita—the all-in-one app for spending, saving, budgeting, and building financial wellness. - No hidden fees. No hoops. No minimum balance. No monthly fees. No overdraft penalties. Just real tools for real people. - Your money is safe and secure Eligible for up to $250,000 in FDIC insurance through Sutton Bank, Member FDIC [2] Percapita Visa® Debit Card you can use everywhere Visa is accepted* Full data encryption and multi-factor authentication (2FA) - Get paid when you need it [3] Access up to $1,000 of your earned wages before payday No credit checks, no hassle - Save automatically with Penny Jar [4] Every debit card purchase rounds up to the nearest dollar Build savings without even thinking about it - Build your credit with rent payments Get rewarded for the rent you already pay [5] Powered by Rock the Score - Earn cash back rewards Spend $300/month, get $25 cash back—up to $300/year [1] - Send money internationally Fast, affordable transfers to 75+ countries [6] - Budget smarter. Plan ahead. Stress less. Create needs-based and goal-based budgeting accounts Set budgets that fit your life, not someone else’s - Real human support. US-based, bilingual customer service A convenient in-app chat Why Percapita? Because your money should work for you—not against you. Download Percapita today and start spending smarter, saving easier, and building the financial freedom you deserve. Start for free. Stay for free. Your money. Your way. Disclosures Percapita is not a bank. We are a digital company that provides access to financial services. The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted. [1] Restrictions apply. See full promotional details at http://percapita.com/earn300 [2] The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and deter- minations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at FDIC: Federal Deposit Insurance Corporation | http://www.fdic.gov. [3] Early wage access powered by Immediate Solutions, Inc.; terms and limits apply. [4] Penny Jar is an optional program provided by Percapita, not Sutton Bank. [5] Rent reporting and credit building powered by Rock the Score, LLC; eligibility applies. [6] International transfer services provided through Brightwell Payments Inc., and Bancorp. Brightwell Payments Inc. is a technology provider and not a bank or other regulated financial insti-tution. All regulated international transfer services associated with ReadyRemit® are provided by The Bancorp Bank N.A. Terms and conditions apply. Verification times vary and may delay the delivery of funds to the receiver. Restrictions may apply. See transfer terms and conditions for details.

Join thousands of satisfied users who have already transformed their financial future and lifted the burden of debt with CreditU, brought to you by American Consumer Credit Counseling, Inc. (ACCC). Many struggled with understanding their financial situation and finding the right tools to stay on track. CreditU is now their trusted partner in navigating personal finance. This user-friendly app helps you efficiently manage your credit, reduce debt, and optimize your budget anytime, anywhere. How It Works Advanced Debt Analysis and Budgeting: Our state-of-the-art algorithms evaluate your debts and generate personalized, efficient budget plans tailored just for you. Integration with Debt Management Plan (DMP): Whether you’re a current participant or considering our proven DMP, CreditU offers tools to manage your plan effortlessly. Track payments, adjust budgets, and receive real-time updates directly on your mobile device. Continuous Progress Monitoring: Watch your credit score improve and track your debt reduction progress. Celebrate each milestone with insightful updates. Robust Security Measures: Your privacy and data security are our top priorities, with advanced encryption and strict privacy protocols in place. The Value CreditU is designed to simplify your financial life and help you achieve a more secure and prosperous future. Our app provides the tools and resources needed to take control of your finances, all in one place. Start your journey toward a more secure and prosperous financial future with just a click! Download CreditU now and transform your financial life. Why Choose CreditU? - Advanced Debt Analysis and Budgeting: Leverage our state-of-the-art algorithms to evaluate your debts and generate personalized, efficient budget plans specifically designed for you. - Seamless Integration with Our Debt Management Plan (DMP): CreditU offers versatile tools that cater to both current participants and those considering our proven DMP. For those already enrolled, CreditU enables effortless management of your plan. Easily track your payments, adjust your budgets, and receive real-time updates directly through your mobile device. If you are not yet part of our DMP, CreditU provides essential insights and resources to help you understand and effectively manage your finances. - Continuous Progress Monitoring: Watch your credit score improve and track your debt reduction progress. Celebrate each milestone and stay motivated with insightful updates. - Robust Security Measures: We prioritize your privacy and data security. Feel secure with our advanced encryption and strict privacy protocols. Be part of a community that’s transforming their financial lives. Download CreditU today and start your journey toward financial freedom. Our full terms of service may be viewed online at https://www.creditu.org/terms-of-service