Payactiv vs My Vault Card

With Payactiv, access your hard earned wages before payday, pay bills on time avoiding late and overdraft fees, and handle unexpected expenses with our user-friendly digital tools. Payactiv provides you with the foundation to maintain financial stability and equips you with the necessary tools to help you reach your financial wellness goals and thrive—without payday loans or interest. Just your money at your fingertips. With Payactiv, you can expect: 1. Earlier access to your money: - Enjoy your paycheck up to 2 days early.1 - Receive government payments up to 4 days early.1 - Gain immediate access to earned wages.2 2. Spending and saving tools to achieve your financial goals: - Always stay informed about what's safe to spend. - Easily track your spending habits at a glance. - Receive low balance alerts. - Set up automatic transfers from earned wages. 3. The Payactiv Visa® Card*: A card designed without hidden fees: - No minimum balance requirements. - No overdrafts. - No monthly or inactivity fees. - Access surcharge-free withdrawals at 37,000+ MoneyPass® ATMs. - Enjoy free integrated bill pay. - Withdraw cash at tellers in participating banks. - Send and receive funds to other enrolled members with no transfer fees. 4. Convenience and security you can rely on: - Seamlessly use the card with Google Pay or Apple Wallet. - Utilize touchless payments at stores. - Benefit from Visa's Zero Liability protection.3 - Easily lock or replace lost or stolen cards. - Access 24/7/365 support in English and Spanish. *Central Bank of Kansas City does not administer, nor is liable for earned wage access. The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll free at 1 (877) 747-5862, 24 hours a day, 7 days a week. 1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator. 2 Earned Wage Access requires employer participation. 3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

Expressly for employees who already use Paycom’s HR and payroll technology solutions at work and have enrolled for the Vault Visa® Payroll Card through Paycom’s Employee Self-Service®. MANAGE YOUR VAULT CARD Set up your My Vault Card App to unlock features such as: • an overview of your deposits, transactions and account balance • automated push notifications, SMS alerts and email messages to help you stay on top of your money (Message and data rates may apply.) • view your direct deposit information so that you may have money from a part-time job or government benefits deposited to your Vault card • a digital view of your physical Vault card for easier online purchases • a locator to easily find a surcharge free† ATM within the Allpoint® network or a Green Dot® cash reload* location near you EASILY ENABLE YOUR MOBILE WALLET With a single press, add the Vault card to your mobile wallet and enjoy secure mobile transactions with minimal contact. TRUE FINANCIAL CONTROL The My Vault Card app empowers you to manage and protect your finances in a way tailored to fit your lifestyle through: • the ability to easily suspend your Vault card should it be temporarily misplaced • an extensive library of money management courses and tips from Visa’s Practical Money Skills program • access to Visa’s exclusive offers and perks *Third-party fees, limits and restrictions may apply to cash reloads. †See app or visit myvaultcard.com for surcharge-free Allpoint ATM locations. Fees apply for out-of-network withdrawals. See your Cardholder Agreement for full list of applicable fees for your card. ATM limits apply. This card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank, N.A., Member FDIC. ©2022 Green Dot Corporation. Green Dot is a registered trademark of Green Dot Corporation.