PAYROLL CARD DISCLOSURE — SHORT FORM

There is no charge to open a Payroll Card Account.

If you do not wish to accept this Payroll Card, please ask your employer about other ways to receive your wages.

• Monthly fee – $0.
• Per purchase – $0.
• ATM withdrawal from SchoolsFirst FCU and CO-OP Network locations – $0.
• ATM withdrawal from non-SchoolsFirst FCU and non-CO-OP Network locations – $2.
• Cash reload – N/A.
• Balance inquiry at SchoolsFirst FCU and CO-OP network ATMs – $0.
• Customer Service (live or automated telephone assistance) – $0.
• Account inactivity – $0.

We charge eight other types of fees. Below are just a few.

• ATM withdrawal at international ATM locations – $2. You may also be charged a fee by the ATM operator.
• Mastercard® cross-border fee – up to 2%*

Your funds are not NCUA insured.

SchoolsFirst FCU Payroll Card does not offer an overdraft or credit feature.

For general information about prepaid accounts, visit cfpb.gov/prepaid.

You can find details and conditions for all fees and services in the Payroll Card Statement of Fees and Disclosure & Agreement of Terms and Conditions.