Disclaimers

Faster funding claim is based on the policy of Pathward^®, National Association, making funds available upon receipt of payment instructions versus the typical practice of posting funds at settlement. Early access to funds is not guaranteed and timing of early access may vary from period to period. Faster payment requires direct deposit and varies depending on the date in which the payor provides payment instructions. Fraud prevention restrictions may also delay availability of funds.

No ATM owner surcharge or ATM Cash Withdrawal Fees for domestic ATM withdrawals at MoneyPass^® ATMs (“in-network ATMs”). Visit the Porte mobile app for a list of in-network ATMs. All other ATMs may apply an owner’s surcharge fee in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement. Balance Inquiry Fees apply.

For debit card transfers, fees and limits apply. Funds transfer typically within minutes, but may take up to two business days in certain circumstances. See Account Agreement for Details. Bank Transfer is a money transfer service provided by Netspend Corporation (NMLS# 906983). See netspend.com/licenses.

The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.

After selecting a charity through your mobile app, Populus Financial Group will donate an amount equal to 0.05% of every debit card purchase transaction, subject to certain terms and conditions described in the mobile app, made with your Porte Debit Card to a charity selected by you through the mobile app. Netspend Corporation, Pathward^®, National Association, and Visa^® are not affiliated in any way with the optional program and neither endorses nor sponsors it.

Once your identity is verified and your account is registered, your funds on deposit in your Savings accounts are FDIC insured up to $250,000 through Pathward, N.A., subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at Pathward, N.A. Pathward, N.A. may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward, N.A., not the failure of Netspend Corporation. Netspend is a financial technology company, is not a bank, and is not FDIC insured.

Mobile Check Capture is a service provided by Sunrise Banks, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your account. See your Deposit Account Agreement for details. Mobile Check Capture service is not available for use within the state of New York.

Fees apply, see Account Agreement for details.

Add money fee is waived at participating ACE Cash Express locations if you have received a qualifying direct deposit (no dollar minimum) within the immediately preceding thirty-five (35) days. Offer subject to change. See store for details. Porte uses the Netspend Network, which is provided by Netspend Corporation. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.

Monthly fee waived with qualifying Direct Deposit(s) totaling at least $1,000 in the thirty-five (35) days preceding the date on which the monthly fee is assessed.

Overdraft Choice is available to customers enrolled in the Overdraft Service. By switching Overdraft Choice to “off”, you are requesting us to deny any transaction that may overdraw your account. Whether we pay any item presented on your account is still up to our discretion and you will remain liable for any negative balance on your account. See the Porte Agreement for more details.

The Debit Card Overdraft Service is an optional service made available to eligible Porte customers by Pathward, N.A. Once you enroll and meet the eligibility requirements (see terms in your Account Center), you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Overdraft protection and the overdraft fee apply solely to (i) signature and PIN purchase transactions and (ii) ATM withdrawals. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Additional Overdraft Service Terms and Conditions apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.

By activating and using a Porte Account, your participation in the rewards program is automatically activated. However, you may opt-out of the program at any time by visiting the Porte Perks page within the Porte App. The reward offers we choose and send to you are based on your shopping habits. We will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a rewards program customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs and program terms and conditions. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation, Pathward, N.A., and Visa are not affiliated in any way with the program and neither endorses nor sponsors it.

There is a $3.00 fee to order a replacement card. You can order a replacement card through the Porte app or by calling Customer Service at 800-267-7080. You can visit your nearest ACE Cash Express store location to receive an instant issue replacement card, which doesn’t have an EMV chip, the same day, subject to store inventory. If your card has been lost or stolen, immediately report it through the Porte app or by calling Customer Service at 800-267-7080 to deactivate the card and order a replacement card free of charge.

The optional Savings Account linked to your designated Porte account is made available to Accountholders through Pathward, N.A., Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

• An interest rate of 0.20% will be paid on your average daily balance with an APY of 0.20%.

• Additionally, the optional Porte Savings account allows you to earn a higher interest rate of 2.97% with an APY of 3.00% on an average daily balance of up to $15,000 during a calendar quarter if you (i) receive at least $3,000 in Qualifying Direct Deposits into your Porte Spending Account in that calendar quarter, AND (ii) make at least fifteen (15) Qualifying Debit Card Purchase Transactions from your Porte Spending Account in that calendar quarter. “Qualifying Direct Deposits” and “Qualifying Debit Card Purchase Transactions” have meaning ascribed to them in the Savings Account Agreement. The interest paid on average daily balances of over $15,000.00 will be 0.20% with an APY range for this tier from 3.00% to 0.20%.

The interest rates and APYs of each tier may change. The APYs were accurate as of 7/1/2026. No minimum balance to open Savings Account. Savings Account funds are withdrawn through the Porte Account and transaction fees could reduce the interest earned on the Savings Account. Once your identity is verified and your account is registered, your funds on deposit in your Savings accounts are FDIC insured up to $250,000 through Pathward, N.A., subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at Pathward, N.A. Pathward, N.A. may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward, N.A., not the failure of Netspend Corporation. Netspend is a financial technology company, is not a bank, and is not FDIC insured.

Make up to $500 in fee-free cash withdrawals per day from your Porte account by using your debit card at participating ACE Cash Express locations. $500 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. A direct deposit (no dollar minimum) to the account within the immediately preceding thirty-five (35) days is required. See store for details. Although this feature is available at no additional charge with qualifying direct deposit, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. Offer subject to change. This optional offer is not a Pathward, N.A., or Visa offer nor does Pathward, N.A., or Visa endorse this offer.