Payactiv vs Paychex Pay

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.

Seamless Banking¹ Solutions ¹Paychex is not a bank. Banking service provided by Central Bank of Kansas City, Member FDIC In today’s fast-paced world, convenience and speed are everything. Enter Paychex Pay℠, an online account established by Central Bank of Kansas City, Member FDIC. It comes with a Paychex Pay Debit Mastercard® and optional Savings Account to easily manage your finances all from a user-friendly app² GET PAID FAST Get paid up to 2 days earlier with direct deposit³ EASILY MOVE MONEY Move money⁴ between accounts or send money to a friend all within the app FAST CHECKOUT Pay at retailers with your contactless card or mobile wallets ADD MONEY QUICKLY Add funds via direct deposit, cash deposits⁵ at Mastercard rePower® locations, or mobile check deposit⁶ SAVING Save for your future with an optional savings account with no minimum balance required CASH BACK REWARDS Earn cash back⁷ for purchases made at various retailers MASTERCARD ID THEFT PROTECTION™ Alerts you to possible identify theft and provides you with resolution services if needed 2- Standard message and data rates from your wireless provider may apply. 3- In order for you to be paid early, your payroll or benefits payment provider must submit the deposit early. It is important to note that your payroll or benefits payment provider may not submit the deposit or payment early each payment period. Be sure to ask your payroll or benefits payment provider when they submit your deposit information to the bank for processing. Early deposit of funds will begin upon the 2nd qualifying deposit. A qualifying deposit is defined as a direct deposit greater than $5.00 received from the same payer 4 - Fees and limitations may apply. Consult the Deposit Account Agreement and Fee Schedule for complete details. 5 - Service fee up to $5.95 applies. Deposit and account balance limits apply. 6 - The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy available in the App. All checks are subject to approval prior to funding. Unapproved checks will not be funded to your Account. Approval review may take up to one hour. Fees and data rates may apply. Ingo Money, Inc. and First Century Bank, N.A., are not affiliated with Central Bank of Kansas City. 7 - Participating in Paychex Pay Rewards is optional, and you may opt-out at any time by calling 1-866-438-0579. Offers are based on your shopping habits. Cashback is earned by using your Paychex Pay Card for qualifying purchases and is credited to your account once the qualified purchase transaction is settled, depending upon the merchant. Central Bank of Kansas City is not affiliated with and does not endorse or sponsor the rewards program. For complete details, including the use of transaction data, see the Paychex Pay Rewards Terms of Service provided to you with the Deposit Account Agreement The Paychex Pay Deposit Account is established by Central Bank of Kansas City, Member FDIC. The Paychex Pay Debit Mastercard is issued by Central Bank of Kansas City pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Deposit Account and Card. If you have any questions regarding your Deposit Account or Card, you should consult your Deposit Account Agreement and Fee Schedule or contact us toll-free 24/7/365 at 1-866-438-0579