Nevada State Bank vs SPFCU

Managing your finances on the go has never been easier with the Nevada State Bank Mobile Banking app.¹ Personal banking features Account management • View account balances, details, and activity across accounts • See your free personal credit score and report • Apply for new accounts • Review statements and notices • Export transactions options Payments & transfers² • Send/receive money with Zelle® • Transfer funds, pay bills, and send wires • Mobile check deposit Security & card controls • Use biometrics for sign-in on supported devices • Lock/unlock cards instantly • Set up and manage security alerts Rewards & offers • View credit card rewards • Discover personalized offers Self service • Find a branch and ATM • Schedule travel notifications • And more Business banking features Payments & Transfers² ³ ⁴ • Pay bills and employees • Send and receive wire transfers • Use Zelle® for business payments • Send ACH direct deposits • Mobile check deposit • Edit or cancel payments • Review payment history User management⁵ • Manage users and permissions • Reset passwords and access • Receive personalized activity alerts Invoice & Get Paid³ ⁴ • Create and send invoices • Share payment links and QR codes • Accept cards, ACH, and Apple Pay Security & authorization⁶ • Use biometric sign-in • Multi-factor authentication (MFA) • Enable dual authorization • Manage alerts and secure messages To use the App, you must: • Have a deposit, loan, line of credit, or credit card account with Nevada State Bank • Have a compatible mobile device and U.S. phone number • Be connected to Wi-Fi or a mobile internet data service** Have a comment or question? Email us at MobileBankingCustomerSupport@zionsbancorp.com. **Message and data rates may apply. Please check with your carrier for details. 1 Mobile Banking requires enrollment in Digital Banking. Fees from your wireless provider may apply. Please refer to the applicable Rate and Fee Schedule (Personal or Business Accounts Schedule of Fees or Service Charge Information). Subject to terms and conditions of the Digital Banking Service Agreement. Trademarks used are the property of their registered owner and Nevada State Bank is neither affiliated with nor endorses these companies or their products/services. 2 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. See your Zelle® and Other Payment Services Agreement for more details. Standard text and data rates from your mobile phone carrier may apply. Available services are subject to change without notice. Zelle® is intended for sending money to family, friends, and people you know and trust. It is recommended that you do not use Zelle® to send money to people you don’t know. Neither Zions Bancorporation, N.A. nor Zelle® offer a protection program for any authorized purchase made with Zelle®. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle®. Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC. and are used herein under license. 3 Wire Transfers and ACH Direct Deposit require enrollment in each service. See the Personal or Business Accounts Schedule of Fees for fees associated with each service. 4 Feature availability for business users is subject to user Entitlements. 5 User Management and certain administrative capabilities are restricted to Customer System Administrators (CSAs) on the business profile. Other conditions may apply, such as if the business has enrolled in Dual Authorization for certain transactions. Refer to the Digital Banking Service Agreement for more information. 6 Approvals are currently applicable for businesses who are enrolled in Dual Authorization, where two business users are required to complete certain transactions (one initiator and one approver).

Track, plan, and manage all of your finances in one place with Sierra Pacific FCU mobile, now featuring Money Map. Free for Sierra Pacific FCU members, this app combines classic mobile banking features like Remote Check Deposit, Transfers, and Card Controls with interactive tools to help budget, track, and plan your financial future. Add external accounts and loans to get a full financial picture. Smart financial tips sent straight to your phone or email will keep you on track, up-to-date, and aware of opportunities to improve. MOBILE BANKING: Manage your Sierra Pacific FCU loans and accounts with modern mobile banking tools. With this app, users can: - View loan and account balances and transactions - Transfer between SPFCU accounts and loans - Enroll in and view E-statements - Remotely deposit checks – additional enrollment required - Pay bills from one central location—additional enrollment required - Use Remote Card Controls to stop or pause debit and credit card use - Apply for a loan - Update address and email information - View documents, holds, and outstanding items MONEY DESKTOP: Introducing our new suite of money management tools! Track internal and external loans, accounts, cards, and investments inside your mobile banking app. Monitor balances, track spending, and plan for the future. - ACCOUNTS: Keep track of account balances, loan payments, and more for all your accounts, from one screen. - TRANSACTIONS: Monitor transactions from all any card or account and add them to budget categories. - SPENDING: See your spending at a glance, overall or by category. See where your money is going in an instant. - BUDGETS: Plan future spending and visualize your progress with interactive Bubble Budgets. Drill down into sub-categories and transactions with a tap. - TRENDS: See how your spending and savings change over time, and see what transactions impact these trends. - DEBTS: Explore debt repayment strategies to help pay down debt and see upcoming payments for all your loans and cards on one screen. - NET WORTH: Watch your net worth change over time, and drill down into what causes bumps and drops. - GOALS: Create, visualize, and manage your financial goals on an interactive timeline. - CASH FLOW: Track and plan for recurring payments and deposits and see how much cash you’ll have available any given day. - ALERTS: Receive by SMS or email to stay informed about your finances. Select the alerts that make sense for you.