RelayGO vs UIB Beginnings

The RelayGO app, powered by Branch, is a digital deposit account and debit Mastercard* built for drivers on the road. Stop waiting for paper checks or slow deposits. With RelayGO, your earnings arrive as soon as your carrier sends them, so you can use your money when you need it. Get paid fast, track your money in real time, and spend with your phone or card, wherever your route takes you. Plus, access built-in savings tools and rewards designed to help your earnings go further, mile after mile. Key Features: • Fast access to your pay on the road • Real-time balance and transaction visibility in the RelayGO app • Apple Pay enabled right after sign-up • Cashback rewards and savings tools designed for life on the road *Branch is not a bank. Banking services are provided by Lead Bank, Member FDIC. FDIC insurance only applies for eligible accounts should the bank holding your funds fail. The RelayGO Card, powered by Branch, is a Mastercard debit card issued by Lead Bank, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.

Unleash the power of financial literacy with the UIB Beginnings app, designed to transform kids and teens into savvy money managers! In a world where schools often fall short on financial education, our app steps in to make learning about saving†, spending, donating†, and investing* fun and accessible. Parents remain in the driver’s seat, approving transactions to ensure a safe and smart journey towards financial responsibility. Kids can make real-life money decisions right from their mobile devices, with parents providing a supportive safety net. Chores and Allowance Tracker: Turn everyday tasks into opportunities for growth! Kids can earn their allowance by completing a variety of chores, with hundreds of options to choose from or even custom ones added by parents. Our chores and allowance tracker not only helps kids earn but also instills valuable character traits like accountability, dependability, time management, and teamwork. Set it up in minutes and enjoy the convenience of weekly payments or the ease of our auto-allowance† feature. Teach Easy Investing*: Why wait to start investing? Every family account includes built-in investing, allowing kids to kickstart their financial future with commission-free trades starting at just $10. Securely invest together through our platform, backed by Apex Clearing Corporation, and watch your kids’ savings grow toward goals like college funds, first cars, and more. These essential skills will empower them to navigate adulthood with financial confidence. Learn to Spend Wisely: Empower your kids with financial independence by enrolling up to 5 children on one account, each eligible for a Utah Independent Bank branded BusyKid Visa® Prepaid Debit Card. These cards can be used online or in stores, with parents approving all funds and monitoring transactions through their dashboard’s activity feed. BusyPay†: Say goodbye to the hassle of gift cards! BusyPay allows you to load money directly into an account, eliminating the risk of loss, theft, or unused funds. Share a BusyPay QR code with friends and family to receive gifts for birthdays, holidays, or neighborhood jobs. Plus, use this exclusive feature to send money to others within our app. Being Charitable: Foster a balanced financial lifestyle by encouraging generosity. Donate easily to local and national charities, helping kids understand the importance of giving beyond tax benefits. Safety First: We prioritize security with the latest SSL encryption technology. Each app and card requires a unique PIN, and parents receive alerts for all transactions and card issues. Sensitive information is securely stored by partners who comply with all Payment Card Industry Data Security Standards. This Utah Independent Bank Beginnings program is provided through BusyKid. The BusyKid Visa® Prepaid Debit 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. *BusyKid's provision of access to securities products and brokerage services are offered by Apex Fintech Brokerage Services and Apex Clearing. Apex Fintech Brokerage Services and Apex Clearing Corporation are both licensed and registered to conduct securities business in 53 U.S. states and territories. This feature is optional and not affiliated with Pathward nor Visa. †Optional feature is a BusyKid product.