Kudzu vs PayFiniti

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.

Link External Wallets Easily connect your external wallets to Payfiniti, allowing you to manage all your funds in one convenient location. Whether it's your cryptocurrency wallet or another digital wallet, Payfiniti provides seamless integration for effortless management. Seamless Activity Tracking Keep tabs on your financial activity with PayFiniti's intuitive tracking features. Monitor your spending, track incoming payments, and stay informed about your financial transactions in real-time, all within the PayFiniti app. Versatile Funding Channels Add funds to your PayFiniti account using multiple channels, including ACH, wire transfers, cryptocurrency, and more. With a variety of funding options available, you can choose the method that's most convenient for you and your financial needs. Unlock Limitless Potential With our Universal Cashless Wallet, effortlessly make transactions anytime, anywhere, empowering your business to thrive in the digital age. Seamless Integration, Effortless Growth Say goodbye to operational disruptions. PayFiniti seamlessly integrates with your existing systems, ensuring a smooth transition to digital payments and unlocking new avenues for growth. Speed and Security Experience lightning-fast transactions without compromising security. With PayFiniti, your financial information is safeguarded, giving you peace of mind in every transaction. Cost-Effective Solutions Keep your costs low and your opportunities endless. PayFiniti offers low fees and unlimited transactions, giving you the freedom to expand your business without breaking the bank. Confidence and Convenience Backed by Pass through FDIC insurance via our sponsor bank Florida Capital Bank, PayFiniti provides an extra layer of security, instilling confidence in every transaction. Plus, enjoy instant transfers, giving you the power to control your finances in real-time.