BankMobile vs Current

Smart, digital banking on the move with the BankMobile app. Download the app today and: • Earn cash back Offers! Earn cash back¹ on purchases from merchants at over 40,000 online locations and over 12,000 local locations • Quickly link external accounts with Plaid • Get paid up to 2 days early with direct deposit² • Send and receive money with other BankMobile customers instantly with no fee via MobilePay • Quickly lock your debit card if you misplace it • Add your card to Apple Wallet® • Stay in the know on your account activity with alerts • Check your balance, view recent transactions, and transfer money to and from external accounts • Make your money work for you by taking advantage of our interest-bearing accounts • Deposit your checks in a flash with mobile check deposit • Locate the nearest fee-free Allpoint® ATM³ to withdraw cash • Set up one-time or recurring payments to pay your bills 1 See Cash Back Terms and Conditions for further details. Merchants listed in the Offers sections are in no way affiliated with BM Technologies, Inc., nor are they considered sponsors or co-sponsors of the program. All trademarks are the property of their respective owners. Earned cash back will be credited to your BankMobile checking account within ninety (90) calendar days from the time the qualifying transaction has been posted to your BankMobile checking account. 2 Funds from payroll-related direct deposits may be made available up to two days early. Early access to payroll deposits applies to the direct deposit of funds from your employer. Employer direct deposits vary and, as a result, it is not possible to guarantee early access to your pay. Factors that will affect this include the sender’s deposit description used and the timing of their submission of deposit. In order to provide this service, we generally post such details on the same business day we receive the notice that the deposit is scheduled, which may be up to two (2) business days earlier than the payer’s scheduled payment date. In general, benefit checks (direct deposit or otherwise) from the federal or state government will not be eligible for early access based on the parameters we use. As an example, benefits that generally would not receive early access include but are not limited to unemployment, retirement, pension, civil service, railroad retirement and veteran’s payments. 3 Allpoint® ATM location, availability, and hours of operations may vary by merchant and is subject to change. © 2026 BM Technologies, Inc., a wholly owned subsidiary of First Carolina Bank, Member FDIC and Equal Housing Lender. BankMobile banking products and banking services are provided by First Carolina Bank. All Rights Reserved. The BankMobile Debit Mastercard® card is issued and administered by First Carolina Bank pursuant to license from Mastercard International Incorporated. The card is administered by First Carolina Bank. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. All other names and logos are owned by their respective owners.

Power up your paycheck when you switch to Current. Get paid faster, save smarter, and build credit with ease—all in one app. Join over 6 million members already banking with Current today. With Current you can: — Advance up to $750⁶: Access more of your paycheck if you qualify. — Overdraft fee-free⁵: Breeze from payday to payday without hidden fees. — Get paid up to 2 days early²: Receive your direct deposit as soon as your employer sends it. — Build credit while you bank. — Earn 1% cash back on eligible categories with your Build Card⁴. — Enjoy 24/7 member support. — Access 40,000+ fee-free ATMs nationwide¹. — Add cash in-store at locations like CVS, Walgreens, and McDonald’s. — Earn up to a 4.00% bonus on savings³ and save automatically with Round-Ups. See current.com/docs for full terms and conditions and current.com/legal_disclaimers for more info. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. ¹ Most AllPoint® ATMs are fee-free. To see if an ATM qualifies for fee-free ATM transactions, please check the Mobile App. ² Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control. ³ Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. T&C: current.com/boost_terms_of_service ⁴ For eligible customers only. To earn Points, you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period, and as applicable, make Build Card purchases at retailers whose merchant code is classified as either (i) Dining (e.g., restaurants) and Groceries (e.g., supermarkets) or (ii) belonging to the category or categories selected in the app, and complete other actions that Current may designate. Allow 3-5 business days for Points to post to your Current account. Points expire 365 days after they settle. T&C (including specific eligibility criteria): current.com/current_points_terms_and_conditions ⁵ Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. T&C: current.com/overdraft_protection_terms_of_service ⁶ For eligible customers only. Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank. T&C: current.com/docs/paycheck_advance_terms