Panhandle First vs SynchPay

Thanks to our app, kids and teens can now learn important money management skills by completing chores, earning money and using their mobile devices. Due to the lack of financial education in most schools, our app has just about everything any child (5 to 17 years old) could ever need to help build the important money skills they’ll need to be successful adults. From the palm of their hands they can make real-life money decisions with parents serving as a safety net. Teens and kids can earn, save, donate to charities and spend. They can even use the funds to learn to invest in real stocks. Hand-on experience is the best way for kids to learn, and with parents approving all money transactions leaving the app, it’s safer than giving them actual money. Chores and allowance tracker: Kids can earn an allowance by doing chores based on age and schedule. There are hundreds of chore/allowance combinations available but a parent can also add their own. In addition, the app’s chores and allowance tracker helps them build important character traits like accountability, dependability, time management and teamwork. Enjoy our easy setup and real-time push notifications on chores and money transactions. Teach Easy Investing*: Included in every family account! No upgrades needed! Teach your kids/teens how to invest from an early age and their potential can be limitless. Think college funds, first car, a home, and more. These valuable skills could help guide them through adulthood and create financial strength you can’t get with a bank alone. Learn to invest on our app and your assets are safe with our integrated investing platform, backed by Apex Clearing Corporation. Families can invest together, and within, just a few clicks make an investment for as little as $10 a transaction (and say goodbye to commissions). Being Charitable: Our app promotes a balance financial lifestyle and that includes being charitable. Donating is important for more reasons than the tax implications. Our app has more than 60 local and national charities built in to help make sharing easy. Safety First: We use the latest SSL encryption technology, and funds inside the app (child’s accounts) are FDIC Insured. The app and cards require individual PINs for use, and we strongly encourage all PINs be different. Parents receive alerts for any money transactions and card issues. Has all sensitive information stored by partners compliant with all Payment Card Industry Data Security Standards. This Panhandle First Bank program is provided through BusyKid. The BusyKid Visa® Prepaid Card is issued by Pathward®,N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa® debit cards are accepted. All cardholder funds are insured by the FDIC in accordance with the FDIC’s applicable terms and conditions. For more information about your card terms and conditions including the VISA® Zero Liability policy go here. Cliq® is the exclusive and authorized Servicer of the BusyKid VISA® Prepaid Card. Brokerage services provided by Apex Clearing, an SEC-registered broker-dealer and member of FINRA/SIPC. *This optional feature/service is an Apex Clearing product. Investments in securities: No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives, charges and expenses.

SynchPay is the cheapest and most convenient way to pay. We save you hours by submitting your bills to your insurers for reimbursement with one tap, and we keep track of your invoices so the records you need are where you need them. INSTANT PAYMENTS It's 2026, so stop waiting three days for payments to settle. SynchPay uses new but proven technology to move money faster than you ever thought possible. WE MAIL YOUR FORMS If you're paying for healthcare, SynchPay will automatically fill out your forms, attach your bill, and send it to your insurance company for reimbursement in a couple of taps. Signing up is way easier than finding the stamps in your drawer. EASY RECORD KEEPING SynchPay helps you organize all of your financial records automatically. Every single payment comes with an emoji-free invoice that helps with your budgeting and planning. Plus, we don't do a social feed because why was that ever a thing. CHEAPER THAN CASH The way we move money puts billions of dollars per year back into small businesses' pockets, and they pass that savings on to you. No more surcharges at checkout. THERE'S NO CATCH We're not a credit card—we're something new. Not using SynchPay is like sending a telegram instead of a text. Businesses should visit SynchPay.com to see how they can save up to 4% on their payment processing. Terms and conditions apply.