TempoPay vs NFINIT

TempoPay is a healthcare payment benefit offered through employers and health plans. It gives you access to funds to pay for out-of-pocket healthcare expenses up front, then repay over time with 0% interest, no fees, and no credit checks. Using TempoPay never affects your credit score. The TempoPay app is available to employees and health plan members at organizations that offer TempoPay as a benefit. If your employer offers TempoPay, download the app to activate your account and start using your card. WHAT IS TEMPOPAY? TempoPay works like a revolving account, similar to a credit card, but always interest-free with no fees. When you enroll, you get immediate access to a set spending amount for healthcare expenses. Charges are broken into a repayment schedule you control. WHERE CAN I USE TEMPOPAY? Use the TempoPay Visa card for: • Doctor visits, specialists, and urgent care • Prescriptions and pharmacy purchases • Dental care and orthodontics • Vision care, eyeglasses, and contact lenses • Lab work, imaging, and diagnostics • Therapy and mental health care • Chiropractic and physical therapy • Medical supplies and equipment • Medical bills paid online or by phone Some employer programs use different spending categories. Check the app or contact support with questions about your card. HOW DO REPAYMENTS WORK WITH TEMPOPAY? After a charge settles, a repayment plan is created based on your preferences. You choose your repayment timing, up to 12 months, aligned to your payroll cycle. Repay through automatic post-tax payroll deductions or connect a personal bank account. You can see every charge, plan, and payment in the app. DOES TEMPOPAY AFFECT MY CREDIT? No. TempoPay never checks your credit and never reports to credit bureaus. There is no interest, no late fees, and no cost to employees for using TempoPay. CAN I USE TEMPOPAY WITH AN HSA OR FSA? Yes. TempoPay works alongside Health Savings Accounts and Flexible Spending Accounts. Pay with TempoPay now and reimburse yourself from your FSA once it is funded, or keep HSA contributions invested while spreading expenses over time. WHAT CAN I DO IN THE TEMPOPAY APP? • Activate and manage your TempoPay Visa card • Check your available balance and spending limit • View charges and repayment schedules • Adjust repayment timing • Connect a bank account for repayments • Contact TempoPay support WHO CAN USE TEMPOPAY? TempoPay is available through participating employers, health plans, and benefits programs. It is not available for individual signup. Ask your HR or benefits team whether TempoPay is part of your benefits package. ABOUT TEMPOPAY TempoPay collaborates with health plans, employers, and other industry partners to provide a smarter, more affordable way to manage rising healthcare costs through access to interest-free funds and flexible repayment options. With the TempoPay Visa® card, employees can confidently access care and take control of how and when they pay for it, reducing financial stress and avoiding interest-bearing debt. By making it easier to plan for and manage out-of-pocket expenses, TempoPay helps create the financial stability that supports happier, healthier lives and a more engaged, productive workforce. To learn more, visit https://tempopay.com/

A mobile banking app that helps employees put themselves on the right track to achieving their financial goals now, all in an easy-to-use mobile banking app. By focusing on how customers interact with their bank online and building a streamlined system with the customer experience in mind, we let employees enjoy features like: Move your direct deposits (​​Works with your Payroll) Make Payday Anyday Fee-free digital banking Pay bills and shop online Virtual and Physical Card Text alerts to help you manage your balance (carrier fees may apply) Cash Access at ATMs Nationwide Use this card everywhere Debit Mastercard is accepted Load multiple deposits to one card Early Access to Federal Benefits (coming soon for Payroll) No check cashing fees 24/7 Cardholder Support Funds are FDIC Insured