Blue Digital vs The Reckoner

Your finances, on your terms. Blue Digital by Blue Federal Credit Union makes it easy to manage your accounts, move money, and stay connected to Blue wherever life takes you. Enjoy a refreshed mobile experience with updated menus, a redesigned passcode screen, and helpful improvements to transaction memos and payment notifications. View and edit scheduled transfers right from your mobile device, and see your scheduled transaction history for greater visibility into your money. GETTING STARTED Log in with your Blue Digital username and password. New to Blue Digital? Select “Enroll for a Login” in the app to create your credentials and get started. MANAGE YOUR MONEY • Securely view account balances and transaction history. • Transfer money between accounts and set up external accounts. • View and edit scheduled transfers. • View your scheduled transaction history. • Make loan payments and pay bills. • Send money to people you know and trust with Zelle®. • Deposit checks using your mobile device’s camera. MANAGE YOUR CARDS • Activate your cards, add travel notices, and change your PIN. • Launch CardNav by Blue FCU from within Blue Digital by Blue FCU to activate your cards, add travel notices, and change your PIN, and more. STAY CONNECTED • Send and receive secure messages with Blue. • Update your contact information. • Find nearby branches and ATMs. SECURITY All transactional data is encrypted, and no sensitive account information is stored on your mobile device. PERMISSIONS • Location permissions are used to help you find nearby branches and ATMs. • Camera permissions are needed to deposit checks remotely. The companion CardNav by Blue FCU app periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if you, the End User, expressly authorize collection of such information. Geolocation information can be monitored on a continuous basis in the background, only while the Solution is being used, or not at all, depending on the End User’s selection. End Users can change their location permissions at any time in their device settings. ACCESS Deposit limits, transaction limits, and other restrictions apply. Access to Blue Digital is subject to eligibility. Some features are available for eligible members and accounts only. There is no charge from Blue Federal Credit Union to use the Blue Digital app, but message and data rates may apply. All transactions are subject to our Funds Availability Policy and related applicable laws. QUESTIONS OR NEED HELP? Blue Federal Credit Union www.BlueFCU.com 1-800-368-9328 support@BlueFCU.com

The Reckoner splits group expenses and remembers exactly who owes what, so you don't have to. HOW TO SPLIT A RECEIPT Snap a photo of any receipt. AI reads the items, tax, and tip. Tap to assign items to people and it does the math to the penny. HOW TO USE GROUPS Make a group for a trip, a house, or a regular crew. Add expenses, split evenly or by item, and always see a clear running balance of who owes whom. HOW TO SPLIT A ONE-OFF MEAL (no group needed) Add who's there, scan or type the total, assign items, add tax and tip, and get everyone's share instantly. HOW TO SETTLE UP When it's time to pay, hand off to Venmo, PayPal, or Zelle in a tap and mark it settled. The Reckoner tracks the money — it never touches it. THE RECKONER PRO Pro unlocks unlimited expenses and 50 AI receipt scans a month. 7-day free trial, then $2/month or $20/year. The Reckoner is an expense-tracking tool. It doesn't move money and isn't financial, accounting, or tax advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/