NFINIT vs cred.ai Pro

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

cred.ai Pro is a custom VIP experience available exclusively to employees and members of select large organizations and employers. Replace your debit card with cred.ai Pro. Premium stealth cards, cutting edge tech, and automatic credit optimization. Setup direct deposit, access your paycheck early**, and spend on a high-tech card loaded with exclusive features like check please, repeat defender, and friend and foe. You can also use self destructing digital cards when you give your card info over the phone, for late night online shopping, or random “free” trials. Just Regenerate them when you feel unsafe. Spend like you're using a debit card, while automatic credit optimization makes you look like a credit rockstar*. Connect other banks and fintechs, deposit checks, get cash at 55k+ free ATMs***, with 24/7 support, and you're guaranteed you'll never pay fees or interest. Only members or employees of select specific organizations will be able to use the cred.ai Pro app. Ask your supervisor or organization's HR department about how to get access to cred.ai Pro. If you are not a member or employee of an organization with access to cred.ai Pro, you can download the public cred.ai app by visiting cred.ai/app. †cred.ai is a financial technology company, not a bank. The cred.ai Deposit Account is provided by WSFS Bank, Member FDIC. Deposits are insured up to $250,000 per depositor. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at WSFS Bank, Member FDIC, if certain conditions have been met. The Unicorn Card credit card is issued by WSFS Bank pursuant to a license from Visa® U.S.A. Inc. and may be used everywhere Visa® credit cards are accepted. * cred.ai cannot account for all variables in your financial life or changes to reporting practices. Increases or specific changes to your credit score are not guaranteed. ** Accessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. We generally will allow you to access the spending power of those deposits on the day the deposit file is received, which could be up to 2 days prior to the scheduled payment date. *** You can locate free ATMs using the FREE ATM finder located in your cred.ai Pro mobile app. ATM withdrawals are cash advances against the Unicorn Card credit card, and while they are subject to the interest rates and terms outlined in the Unicorn Card Credit Card Agreement, you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty. © 2026 cred.ai. All Rights Reserved.