NFINIT vs Kudzu

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

Kudzu is a low-fee online banking app with flexible accounts, overdraft protection, smart budgeting tools, and more! Kudzu is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A., Member FDIC. Take control of your money with tools like: Track your money and set budgets with Kudzu’s digital-first Spending Account. Enjoy automatic savings, unlimited transfers, and an interest-earning Savings Account.† Get fee-free overdraft protection with Covered by Kudzu™1. Stay on top of spending with SpendSense Alerts2. Get paid through Direct Deposit. Deposit checks with Mobile Check Load.* Learn through bite-sized financial literacy lessons (and earn rewards!) with PayPerks®3. Savings Habits helps you schedule transfers and build savings automatically. Together with SpendSense Alerts2 and Covered by Kudzu™1, it completes the Kudzu toolkit. Start spending instantly with Kudzu Visa® Debit Card. Activate it in the app or add it to your mobile wallet. Tap to pay, shop online, get Direct Deposit, deposit checks, or access cash at 55,000+ fee-free Allpoint® ATMs. The Kudzu Visa® Debit Card includes security features to help protect your money. Lock or unlock your debit card and receive real-time fraud alerts2. Upgrade to Kudzu+4, our optional premium membership, for: Free expedited debit card replacement Advanced overdraft protection5 Multiple savings goals Download Kudzu today to manage your money, build your savings, budget with confidence, and make smarter financial decisions. Download and sign up today! *Other fees and limits apply. See the Deposit Account Agreement for details. † The Annual Percentage Yield ("APY") for the Kudzu Savings Account is variable and may change at any time. The disclosed APY rate is effective as of November 17th, 2025. No minimum balance required. Must have $0.01 in savings to earn interest. The marketed Kudzu+ APY is available only while you maintain Kudzu+ membership, otherwise the standard non-Kudzu+ APY will apply. See full details. 1 Covered by Kudzu™ is an optional overdraft protection feature that uses funds in your savings account to cover debit card transactions that would otherwise bring your account negative, up to 10 times per month. You must maintain at least $50.00 in savings to be eligible for Covered by Kudzu. If the combined balance in your spending and savings accounts is less than the transaction amount, the transaction will be declined. For full terms and conditions, please visit https://www.kudzumoney.com/policies/#covered-by-kudzu-terms-and-conditions. 2 Message and data rates may apply. 3 The Bancorp Bank, N.A., is issuer of the Kudzu Visa® Debit Card only and does not endorse or sponsor the associated products, services or offers from PayPerks®. 4 Kudzu+ is an optional spending account that gives you access to additional features and benefits. A $4.95 monthly membership fee applies and will be automatically deducted from your Kudzu+ spending account. 5 Covered by Kudzu+™ is an optional overdraft protection feature that covers up to $100 in debit card purchase transactions that bring your spending account negative. If you have also enrolled in Covered by Kudzu™, we will first transfer available funds from your savings account to cover a debit card purchase that brings your spending account negative, before using Covered by Kudzu+. To be eligible to enroll in Covered by Kudzu+, you must have an active spending account open for at least 30 days and one qualifying deposit of $100 within that 30-day period. To maintain access to Covered by Kudzu+ once enrolled, you must receive at least one qualifying deposit of $100 or more in your spending account each 30-day period. For full terms and conditions, please visit kudzumoney.com/policies/#covered-by-kudzu-plus-terms-and-conditions. The Kudzu Visa® Debit Card is issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.