BankMobile vs OnePay

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.

Meet your money super app. Through OnePay, you can bank, send, pay, spend, and borrow — plus build credit and earn cash back and rewards. OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Member FDIC. Cash back earned as OnePay Points, redeemable as a deposit into a OnePay deposit account/other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms. For terms/conditions relating to OnePay products, onepay.com/terms. For individual reward details see OnePay app. For certain reward offers utilizing OnePay Credit Cards &, and 3rd-party cards linked in the OnePay Wallet, purchases must be made using the physical card. ^Fee-Free Overdraft is available to OnePay deposit accounts that have received Direct Deposits totaling $500+ in the current or previous month. You must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See onepay.com/overdraft-details Δ3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts. APYs are as of 7/27/26, but may change at any time before or after account opening. ‡Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. See onepay.com/rewards-terms. +Subject to credit approval. Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit, as a deposit into a OnePay deposit account, or other available options. * When you enable OnePay Crypto, you must also agree to the zerohash llc and zerohash liquidity services llc terms and conditions and enable your zerohash account. Crypto services may not be available in all states. The value of any cryptocurrency, including digital assets pegged to fiat currency, commodities, or any other asset, may go to zero. zerohash llc is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. **Teens are authorized users on their parent or guardian's Builder Card. When they turn 18, their Builder Card activity (starting from age 16) will be reported to the credit bureaus, provided they are still an authorized user, their SSN has been verified, and credit reporting has not been turned off. Credit score impact is independently determined and based on overall financial behavior; results may vary and are not guaranteed. Transactions using a virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2460509) Licenses at https://www.onepay.com/legal/licenses