Suvi’s debit card purchases are protected with Visa Zero Liability to ensure cardholders will not be responsible for unauthorized charges. With Visa Zero Liability, you can shop worry-free with peace of mind.

What is my liability for unauthorized purchase transaction?

At Suvi, nothing is more important to us than keeping your money and information secure. We use state-of-the-art technology and have built a next-generation, integrated banking core and app with security as a top priority. We use 128-bit AES encryption, access control, and secure processes to ensure your information and money are always safe.

How secure is banking with Suvi?

Yes. Suvi considers the Child Tax Credit deposit as a direct deposit towards fulfilling requirements for enrolling in Suvi’s FundMe.

Am I eligible for Suvi’s FundMe if I receive a Child Tax Credit deposit?

Please visit the <a rel="noreferrer noopener" href="https://www.irs.gov/credits-deductions/advance-child-tax-credit-eligibility-assistant" target="_blank">IRS Advance Child Tax Credit Payment</a> to check your eligibility, sign up for credits, or manage payments.

Am I eligible for the Child Tax Credit?

The Child Tax Credits are deposited to the parent’s Suvi account. You can always instantly move funds to your teen’s account by going to the Suvi mobile app or at suvicash.com.

Are Child Tax Credits deposited to my account or my teen’s/children’s account?

Suvi is able to make the Child Tax Credit available to you on the day we receive the notification from the IRS. Instead of crediting the deposit on the day the notification is received, traditional banks wait to credit it when they receive the funds, which in most direct deposit cases is a later date.



Suvi advances its own funds and makes the direct deposit available on the day we receive the notification, rather than on the day we receive the funds.

When is my Child Tax Credit available?

To receive your Child Tax Credit deposit directly to your Suvi account, please go to Manage Advance Payments at the&nbsp;<a href="https://www.irs.gov/credits-deductions/child-tax-credit-update-portal" target="_blank" rel="noreferrer noopener">IRS Child Tax Credit Update Portal</a>.



You can update your bank account information with your Suvi routing and account number to receive your Child Tax Credits directly to your Suvi Checking Account.

How can I get my Child Tax Credit deposits to my Suvi Account?

You can take control of your banking activities by analyzing if your cash flow is positive (you are net saving funds) or negative (you are net spending funds) through a periodic basis. Use the data to make financial decisions on how to best spend your income and savings.

How does cash flow provide me with insights?

Yes. You can easily track and monitor your income, expenses, and net savings on a periodic basis. You can analyze your expenses by categories during a particular period (a week, month, quarter, or year).

Can I track my income and expenses?

Yes. You can stay on top of your account and avoid surprises by using balance notifications to track when your balance dips below your set amounts.

Can I set low balance alerts?

Yes. With pots, you can plan for your short- and long-term spending, for anything from that dream trip to Bali to a celebratory dinner with friends or a down payment for your house.



Visualize and achieve both short- and long-term financial targets. You’ll have the opportunity to either leave your Pots unlocked or lock them to a specific date to curb temptations.

Can I set aside funds for my future expenses?

Suvi helps you stay proactive with your finances. We use state-of-the-art AI and machine learning technologies to help you forecast your income and expenses, offering a clear look into the future.



You’ll be able to forecast your income and expenses based on your historical trends. In addition, we allow you to perform scenario plays, so you can either spend less to meet your goals or pay off that high interest credit card if you’re saving at a rate higher than your goals.

How does Suvi help with budgeting?

You can withdraw from your Suvi account in the following ways:



<ol><li>At ATM:&nbsp;Suvi has partnered with Visa Plus and MoneyPass to provide you with more than 80,000 fee-free in-network ATM access and cashback locations. That’s more than any traditional bank. You can withdraw cash at locations you frequently visit, including 7-Eleven® and Target.</li><li>Funds transfer initiated from a Suvi account:&nbsp;You can initiate a bank transfer by linking an external bank account to your Suvi account. We transfer the funds usually during the same day we receive the request to your external bank.</li><li>Funds transfer initiated from an external account:&nbsp;You can initiate a funds transfer from your external bank to withdraw funds from Suvi account. We transfer the funds usually during the same day we receive the request from your external bank.</li><li>Pay via check:&nbsp;You can mail a check to either individuals or businesses using the Suvi mobile app or at suvicash.com. We will send a paper check to the payee using standard U.S. Postal Service mail.</li></ol>

How do I make a withdrawal from Suvi account?

Yes. You can mail a check to either individuals or businesses using the Suvi mobile app or at suvicash.com. We will send a paper check to the payee using standard U.S. Postal Service mail.



<table class="table table-striped"><thead><tr><th>Transaction Type</th><th>Frequency and/or Dollar Limits*</th></tr></thead><tbody><tr><td>Bill Pay Payment(s)</td><td><ul><li>Up to $5,000 per payment</li><li>Up to $10,000 per calendar month</li></ul></td></tr></tbody></table>

Can I pay via check?

Yes. You can currently deposit cash at Walmart. We are actively working to expand our cash deposit options and include other retailers. Please request a cashier to make a deposit to your Suvi account at the register. You can make up to 3 deposits for a maximum of $1,000 every 24 hours and up to $10,000 every month.



Third-party money transfer services that are used to add funds to your Suvi account may impose their own fees or limits. When you deposit cash to your Suvi account, it is transferred by a third party to your account. Your funds will be FDIC insured once the bank holding your account receives the funds from the third party.

Can I deposit cash?

Yes. You can deposit checks on the go with mobile check deposit. Just snap a quick photo with our mobile banking app and watch your account balance grow. No more deposit slips, waiting in line, or sending checks via mail. Mobile check deposit allows you to deposit checks from anywhere.



For mobile check deposit eligibility, your Suvi account should receive a Qualifying Direct Deposit. Suvi will determine if you are eligible for mobile check deposit based on your Suvi account and direct deposit history, direct deposit amounts, and other risk-based factors.

Can I deposit a check to my Suvi Checking Account?

You can start using your account as soon as you can sign in. You can deposit into your Suvi account in the following ways:



<ol><li>Direct Deposit:&nbsp;The best way to fund and make a deposit to your Suvi account is via direct deposit of your payroll or government benefits. Please see the “Direct Deposit” section for more details. Funds are available up to 2 days early.</li><li>Funds transfer initiated from an external account:&nbsp;You can transfer funds directly from your external bank account to Suvi. There is no hold period for funds, so transferred funds are available for transaction on receipt by Suvi. Funds are available as soon as we receive them, usually within 1-3 business days of initiating the transfer.</li><li>Funds transfer initiated from a Suvi account:&nbsp;You can also initiate a bank transfer by linking an external bank account to your Suvi account. Please note, for your account safety, any funds transferred are held for 5 days from the initiation date of the transfer.</li><li>Mobile check deposits:&nbsp;You can deposit checks on the go with mobile check deposit. Please see “Can I deposit a check to my Suvi Checking Account?” for more details.</li><li>Cash deposits at retail locations:&nbsp;You can deposit cash into your Suvi Account at over 80,000 retail locations (such as Walmart, Walgreens, and 7-Eleven). Please request a cashier to make a deposit to your Suvi account at the register. Third-party money transfer services that are used to add funds to your Suvi account may impose their own fees or limits. Please see “Can I deposit cash?” for more details.</li></ol>

How do I make a deposit into my Suvi account and when are the funds available?

Yes, teens have full access to Pay Anyone. We are the only app that allows teens to instantly pay anyone and receive funds from friends. To ensure security and safety, any funds that teens receive from friends will require parental approval. Teens can instantly pay friends with funds in their Pay Friends and Spend Anywhere categories.

Can teens send and receive funds to friends?

You can request funds from your friends with ease through the app. Suvi provides the flexibility of using your friends’ phone numbers, email addresses, or Suvi Tags to request payments.

How do I request funds from friends?

While other apps take days to pay anyone or charge fees for instant payments, Suvi eliminates both the fees and waiting period through our instant payment platform. Recipients will instantly receive funds in their account, free of charge.

How does Suvi’s payment platform differ from other apps including payment only apps?

Suvi is the most versatile app for paying anyone. There’s no need to worry about connecting your Suvi account to other money transfer apps. You can pay anyone, regardless of whether your friends have an account with us.

Can I send and receive money from others?

<table class="table table-striped"><thead><tr><th>Fee Description</th><th>Fee Amount and Frequency</th></tr></thead><tbody><tr><td>ATM Withdrawal Fee (out of network)*</td><td>$2.50 (per transaction). Cash withdrawal transactions at MoneyPass ATMs are fee-free.</td></tr><tr><td>Over the Counter &#8220;OTC&#8221; Cash Withdrawal Fee</td><td>No fee (per transaction)</td></tr></tbody></table>



*If you use a non-MoneyPass network ATM, including a balance inquiry, you may be charged an additional fee by the ATM operator even if you do not complete a withdrawal. Such a fee is a third-party fee assessed by the individual ATM operator only and is not assessed by us.

What are the fees for out of network and over the counter cash withdrawal?

Yes. Suvi has partnered with Visa Plus and MoneyPass to provide you with more than 80,000 fee-free in-network ATM access and cashback locations. That’s more than any traditional bank. You can withdraw cash at locations you frequently visit, including 7-Eleven® and Target.

Can I withdraw cash using Suvi Card without incurring fee?

Yes. Your Suvi card is enabled for cash back, and you can use your card to get cash back while making a purchase if the merchant supports it.

Can I get cash back when making a purchase?

If a dispute is denied and a provisional credit was issued to your account, it will be reversed in 5 business days from the date of the denial letter. Please ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you plan to make. If you do not have sufficient funds in your account to cover the amount that will be debited, your account may be drawn into the negative.

What happens if my dispute is denied?

To be eligible for a provisional credit, we should receive the Transaction Dispute Form / Written Statement of Unauthorized Debit within 10 business days.

What do I need to do to be eligible for a provisional credit?

A dispute must be filed no more than 60 days after the oldest statement date on which the unauthorized transaction(s) first appeared for provisional credit eligibility. You may file a dispute that is older than 60 days, but it will not be eligible for a provisional credit.

When do I have to file my dispute in order to be eligible for a provisional credit?

If you already tried working with a merchant and weren’t able to fix a problem, you can file a dispute using the Suvi mobile app. If we aren’t able to reach a decision within 10 business days (20 business days for new accounts) and we have received the Transaction Dispute Form / Written Statement of Unauthorized Debit within 10 business days, we may issue you temporary credit that may be applied to your account during your dispute investigation.



Dispute types under Regulation E are eligible for a provisional credit. This regulation covers both authorized and unauthorized electronic fund transfers at places like ATMs, point-of-sale transactions, or automated clearing house (ACH) systems.

What is a provisional credit?

If a purchase you have made does not meet your expectations, the fastest way to fix the problem is to contact the merchant directly. If the merchant has issued you a refund, please see “How long does it take to receive refunds from returns?” for more details.



If you have already tried working with the merchant and weren’t able to fix the problem, you can file a dispute using the Suvi mobile app.



Only posted transactions can be disputed. Pending charges are temporary and may change. Suvi cannot cancel a pending transaction. Only the merchant can potentially do so. Please contact the merchant to do so.



A dispute must be filed no more than 60 days after the oldest statement date on which the unauthorized transaction(s) first appeared to be eligible for a provisional credit. You may file a dispute that is older than 60 days, but it will not be eligible for a provisional credit.



Keep in mind, disputes are often resolved more quickly if you contact the merchant first. The time it takes to resolve your dispute depends on the type of dispute and the merchant, and may take up to 90 days.



All disputes are handled via email to&nbsp;<a href="mailto:disputes@suvicash.com" target="_blank" rel="noreferrer noopener">disputes@suvicash.com</a>. Emails are responded to in the order they are received.



While filing a dispute, please provide the following information to help us process your request as quickly as possible:



<ul><li>Reason for the dispute</li><li>Disputed transaction(s) date</li><li>Disputed transaction(s) amount</li></ul>



We may ask you to send us documents or records of the charge in order to bolster your case. To get a head start, please attach any documentation such as emails, letters, invoices, receipts, contracts, or any other documents you think would be helpful in the dispute investigation.

How to dispute a transaction?

After the return process is initiated, it may take up to 5 business days for merchandise returns to appear in your Suvi account. If you are waiting for a refund, please contact the merchant directly to see if they can provide additional assistance. The time frame for the refund is dependent on the merchant.

How long does it take to receive refunds from returns?

If a purchase you have made does not meet your expectations, the fastest way to fix the problem is to contact the merchant directly. If your merchant has issued you a refund, please see “How long does it take to receive refunds from returns?” for more details.



If you have already tried working with the merchant and weren’t able to fix the problem, you can file a dispute using the Suvi mobile app.

How do I request a refund from a merchant?

A merchant may temporarily put an authorization hold for an amount until the transaction is completed, aborted, or the hold expires. During temporary authorization, the funds available in your account are reduced by the hold amount. Authorization holds can range anywhere from 1-8 business days after the transaction date. Holds such as hotel stays and car rentals may have a longer hold time.



The hold is placed by the merchant and only the merchant can release the hold. Suvi has no option to release the hold. Please contact the merchant to release the hold. You will see the hold amount in the pending transaction section of your Suvi Checking Account transactions.

What is a pending card transaction or hold?

Merchants such as gas stations, hotels, and rental car companies cannot predict the final amount of a sale. Such merchants typically reserve a larger amount so that the merchant is assured they will be able to cover the final purchase amount.



For gas station transactions, we recommend that you pay for gas inside at the register with your Suvi card.



If you qualify for FundMe, based on your FundMe limit, FundMe may be able to cover up to an additional $200 in purchase transactions. This may enable the original authorization and for you to be able to continue making transactions.

Why has my Suvi card declined at the gas pump, hotels or rental car companies?

We recommend that you pay for gas inside at the register with your Suvi card. If you pay directly at the pump, gas stations do not know the amount of gas that you actually pumped and the final amount of sale. They can therefore hold up to $125.00 when you swipe your card. Usually, they release the hold within 2 hours, but sometimes it can take up to a day or two.

Why is there a hold for my gas station charge?

Yes, you can use the Suvi card anywhere Visa is accepted. Please turn the international transaction button in the settings page on.

Can I use the Suvi card internationally?

To get a replacement card for a damaged card, please go to the settings page in the Suvi mobile app or at suvicash.com and click ‘Replace My Damaged Card.’ Once you receive and activate the new physical card, the expiration date and CVV for your digital card will change to match your physical card.



You can continue to use your physical card and digital card.

My card is damaged. How do I get a replacement card?

You can reset your pin by going to the settings tab in the Suvi mobile app or at suvicash.com.

I forgot my PIN. How do I resent my PIN?

You can set or reset your PIN by going to the settings tab in the Suvi mobile app or at suvicash.com. You can also set or reset your pin during card activation.

How do I set or reset your PIN?

No. For security reasons, we are unable to reactivate a lost or stolen card. Your new digital card should be instantly active and can be used for purchase transactions.

I found my lost or stolen card. Can it be reactivated?

To protect your account, if your card is lost or stolen, please immediately go to the settings page in the Suvi mobile app or suvicash.com and click ‘Replace my Card.’ We will immediately deactivate your card and issue you a digital replacement card with a new 16 digit number. You will also receive a physical card in the mail.



Your digital replacement card will be immediately available for purchase transactions.



Please also check your transaction history. If you find any unauthorized transactions, please contact us immediately.

I lost my card or it was stolen. How do I get a replacement card?

Yes. With Suvi, you are in the&nbsp;driver&#8217;s&nbsp;seat. You have complete control of your banking needs at your fingertips. You can instantly disable your card or just your international transactions—no need to wait for hours with customer service. Please visit the settings page on the Suvi mobile app or at suvicash.com to enable or disable your card.

Can I disable my card?

We are one of the few banks that provide you with the same 16 digit digital card and physical card number. Your digital card is available to use immediately after account opening. When your physical card arrives, you will not have to update your 16 digit card number. The physical card will have a different expiry date and cvv to protect your account while the card is in the mail. Once you activate your physical card, the expiry date and cvv of your digital card will change to that of the physical card. After activation of physical card, your digital card and physical card will have the same 16 digit number, expiry date and cvv.

Is my digital card and physical card number different?

Yes. All Suvi cards are with EMV chips and have a modern vertical design to accommodate EMV chip readers.

Does Suvi use EMV chip cards?

Suvi provides you with an instant debit card upon creation of a new account. The debit card can be used for purchase transactions. Within approx. 5 days, you will receive a modern physical card. To protect your card during mailing, we use a different expiration date and cvv and your physical card needs to be activated. Your physical card will have the same 16 digit number as your digital card.



You can activate the card in the Suvi mobile app or at suvicash.com. On activation, the exp date and cvv of your digital card will be updated to be the same as your physical card.



For your convenience, we make it easy to use Apple Pay and Google Pay—with just a few clicks on your mobile app, you can load your Suvi Card onto either.

Does Suvi provide a digital card?

If your Suvi account does not have enough funds for an internal transfer such as periodic and round up AutoSave, Pots, or allowances, no transfer will be made. You will still be able to make a manual transfer to your savings account or your teen account when funds become available.

What happens if my Suvi accounts does not have funds for internal transfer?

No. Your savings account does not have any internal transfer limits, both in terms of frequency and dollar amount. The Federal Reserve has removed the limit on the number of transfers a person can make from or to a savings account.

Are there any internal transfer limits in my savings account?

Yes. You can leave your Pots unlocked or lock them to a specific date to curb temptations.

Can I lock my Pots?

You can use Pots to plan for your short- and long-term spending, for anything from that dream trip to Bali, to a celebratory dinner with friends or a down payment for your house.

What is a Pot?

Yes. You can use AutoSave to fit your lifestyle. We make it easy for you to save, even while you are not actively managing your account. Use AutoSave with your savings account to:



<ul><li>Save when you get paid: Automatically save a portion of your paycheck each month</li><li>Save periodically: Save a fixed amount periodically—either weekly, bi weekly, twice a month, or monthly.</li><li>Save when you spend: Suvi offers the option to round up your purchases to the nearest $1 &#8211; $5, so you can add to your savings account every time you get Starbucks or splurge on a new pair of shoes. Consider it a useful way to maximize your savings.</li></ul>

Can I save automatically in my savings account?

In order to qualify to earn interest on your Savings Account (including Pots linked to Savings Account and Teen Savings Account), you must meet all of the eligibility criteria below:



<ol type="a"><li>Account Holder has opened a Savings Account.</li><li>Your Checking Account must receive at least $500 in Qualifying Direct Deposit (as defined below) during the calendar month.</li><li>You and your Authorized User(s) make at least $500 of Qualifying Card Purchases (as defined below) during the calendar month.</li></ol>



If you meet all the above criteria, then you will receive interest on up to the maximum daily balance as listed in the rate table above. The interest will be deposited in the Account Holder’s Savings Account. If the Authorized User has a Savings Account but the Account Holder (primary user) has not opened a Savings Account, no interest is earned.



If you fail to meet any of the above conditions during the month, you will not earn any interest during that month. The interest that you receive is generally fully subject to federal, state and, where applicable, local tax. An I.R.S. Form 1099-INT will be sent to you for each year, showing the amount of interest that you have earned.



A&nbsp;Qualifying Direct Deposit&nbsp;is any direct deposit received to your Checking Account by an Automated Clearing House (ACH) deposit that is tagged as payroll deposit, pension, or government benefit payments from an employer or a government agency. The recipient’s name associated with such deposits must match the name of the Checking Account Holder. Payroll transfers made to the Debit Card via Visa Direct, from Uber, Lyft, DailyPay, Doordash, and Postmates are also considered Qualifying Direct Deposits. Pay Friends transfers, ACH transfers (other than those listed above), transfers from digital wallets or Peer to Peer (P2P) services, including, but not limited to, PayPal, Venmo, Square, Cash App, ApplePay Cash, Zelle, and Facebook, quasi cash transactions, tax refunds, mobile check deposits, cash loads, or cash deposits are not Qualifying Direct Deposits.



Qualifying Card Purchases&nbsp;are purchases made using the Suvi debit card that is linked to your Checking Account (or your Authorized User’s). Pay Friends transfers, ATM withdrawals, cash withdrawals, transfers to digital wallets or Peer to Peer (P2P) services, including, but not limited to, PayPal, Venmo, Square, Cash App, ApplePay Cash, Zelle, and Facebook, quasi cash transactions, or payments via check are not Qualifying Card Purchases.

What are the Interest Qualifying Criteria to earn interest on Savings Account?

Savings Account interest is calculated using the daily balance calculation method. This method applies a daily periodic rate to the principal balance in the Savings Account each day. There is no minimum balance restriction on the Savings Account. Only a daily maximum balance of $3,000 (including Pots linked to Savings Account and Teen Savings Account) will be eligible to earn interest and is subject to the Interest Qualifying Criteria.

How is the savings interest calculated?

The current interest rate and Annual Percentage Yield (“APY”) for the Savings Account appear in the Interest Rate Schedule shown below. This is a variable rate account. The Savings Account (including Pots linked to Savings Account and Teen Savings Account) is only eligible to earn interest if it meets eligibility criteria as defined below (“Interest Qualifying Criteria”). We may, at our discretion, change the interest rate and APY for the Savings Account at any time. Interest begins to accrue no later than the business day the deposit is applied to the Savings Account. Interest will be compounded daily and credited to the Savings Account on a monthly basis. You must accrue interest of at least $0.01 during a calendar month for the interest to be paid. In addition, the balances in your Checking Account and Savings Account must not drop below $0.00 on any calendar day of the month. If you choose to close your Checking or Savings Account, you will forfeit interest that is accrued but is not credited to your account.



<div class="table-responsive"><table class="table table-striped"><thead><tr><th>Account Type</th><th>Interest Rate</th><th>APY</th><th>Maximum Balance</th><th>Qualification to Earn Interest</th></tr></thead><tbody><tr><td>Savings Account</td><td>4.41%</td><td>4.50%</td><td>$3,000</td><td>See Interest Qualifying Criteria</td></tr></tbody></table></div>

What is the current interest rate on Savings Account?

Tired of earning the national average interest of 0.33%* on your savings account with traditional banks? We reward you for banking with us by providing a 4.50% APY interest on your Savings Account (including Pots linked to Savings Account and Teen Savings Account).



Savings Account interest of 4.50% Annual Percentage Yield (“APY”) is paid on Savings Account balances of up to $3,000 (Savings Account and Teen Savings Account). To be eligible, each calendar month, you must meet the following requirements: $500 or more in qualifying direct deposits and debit card purchase transactions. In addition, the Suvi Checking Account and Savings Account balances must not drop below $0.00 on any calendar day of the month. APY is variable and may change at any time.

Does Suvi’s savings account provide interest?

You can open a savings account from the dashboard in your Suvi mobile app or at suvicash.com. The savings account is available instantly for transactions. Features of the savings account include:



<ul>
<li>Earn 4.50% APY interest</li>



<li>Built-in automatic savings boosts</li>



<li>Plan short- or long-term spending through Pots</li>
</ul>

Does Suvi provide a savings account?

<table class="table"><thead><tr><th>Transaction Type</th><th>Maximum Frequency and/or Amount Limitations</th></tr></thead><tbody><tr><td>Maximum transfer from Primary Account and Friends</td><td>$2,000 per calendar day. No limit to the number of times.</td></tr><tr><td>Card purchases (signature &amp; PIN) for teens</td><td>$1,000 per calendar day. No limit to the number of times per day</td></tr><tr><td>Cash withdrawal (ATM) for teens</td><td><ul><li>$200 per calendar day</li><li>$1,000 per calendar month</li></ul></td></tr><tr><td>Cash withdrawal (over the counter) for teens</td><td><ul><li>$200 per calendar day</li><li>$1,000 per calendar month</li></ul></td></tr></tbody></table>From time to time, Suvi may increase or decrease the limits or add additional limits to your account, including your card, for security, risk, or other reasons.

What are the limitations for the frequency and dollar amounts of transactions for teens?

Yes. We provide a safe and secure option for teens to have their own unique account number to receive direct deposits from their employers. No more need to cash checks or use prepaid/payroll cards. Working teens can get their direct deposit up to 2 days in advance.

Do you support direct deposit for working teens?

Suvi enables parents to better control where their teenager can spend their funds. Teen accounts come with 5 predefined categories, including Pay Friends, Restaurants, Gas Stations, ATMs, and Toys &amp; Games. These categories are based on the mcc codes as defined by the Networks and merchants.



A parent can add additional stores. Any funds not allocated to one of these categories or stores become part of the Spend Anywhere category.



For these categories or stores, teens are only able to spend funds available from the respective categories/stores and the Spend Anywhere category. If they try to spend more than the funds available, the transaction will be denied. Funds are first deducted from specific categories or stores and then from Spend Anywhere.



For a transaction that does not involve a specific category or store, teens can spend the maximum amount available in Spend Anywhere.

How do teen categories work?

Suvi is the only app that allows teens to instantly pay friends and receive funds. Your teenagers can go to the Suvi Cash navigation tab to pay any one or request funds. To ensure their security and safety, any funds that your teenagers receive from friends will require your approval. Teens can instantly pay friends, but only with the funds that are available in their Pay Friends and Spend Anywhere categories.

How can teen securely pay anyone and receive funds from others?

You can instantly transfer funds from your Suvi checking account to your teenager’s checking account.

Can we instantly add funds to teen accounts?

Helping your children master fiscal responsibility while keeping a close eye on their spending habits can be tricky. Suvi offers a variety of methods to do so with ease.



Parents have complete visibility and can limit spending in specific categories or stores. You also have the option to create a weekly or monthly allowance or pay for chores.

What controls do parents have on teen accounts?

Suvi believes in providing teenagers with an opportunity to experience financial independence. Suvi teen accounts are fee-free and provide all the tools young adults need to manage and save money, including:



<ul><li>Checking and savings account</li><li>Personal debit card for purchases and ATM withdrawal</li><li>Ability to set periodic allowances and chores</li><li>AutoSave periodically and round up purchase transactions</li><li>Safely pay anyone or receive funds from friends</li><li>Direct deposits for working teens</li></ul>

What is a Suvi teen account?

To enable you to link external bank accounts that are not shared with your joint account holder, Suvi does not share details of your linked external bank account with your joint account holder.

Are linked external bank accounts visible to joint account holder?

Suvi simplifies the banking needs of your entire family through a versatile app that allows families to manage, spend, track, and analyze their income and expenses together.



Suvi is the only digital bank with one fee-free integrated app for both joint accounts and teen accounts. Based on your preference, you can open an individual or a joint account. In addition, you can invite your teens to your Suvi account.

How does Suvi support the whole family?

At this time, Suvi users are limited to one checking account and one savings account. You can either create an individual account or a joint account.

Can I have more than one account?

Suvi is among the few digital banks that provide a joint account. Our fee-free joint accounts are easy to open via the mobile app or at suvicash.com, and enable you to manage and plan your financial future with your loved ones.



Joint account holders have full visibility and control of their finances, including the option for teen accounts. Each joint account holder will have their own personal debit card.



We provide you with the flexibility to open an individual account or a joint account. In addition, you can add your teens to either an individual account or a joint account.

Does Suvi support joint accounts?

<table class="table table-striped"><thead><tr><th>Transaction Type</th><th>Maximum Frequency and/or Amount Limitations</th></tr></thead><tbody><tr><td>Maximum balance in account at any time</td><td>$75,000 (including Teen Accounts)</td></tr><tr><td>Direct deposits of Automated Clearing House(&#8220;ACH&#8221;) transfers initiated from an outside financial institution*</td><td>No limit to the number of times per calendar day and no maximum dollar limit</td></tr><tr><td>Card purchases (signature &amp; PIN)</td><td>$2,500 per calendar day. No limit to the number of times</td></tr><tr><td>Cash deposits via third party money transfer services**</td><td><ul><li>3 per calendar day</li><li>$1,000 per calendar day</li><li>$10,000 per calendar month</li></ul></td></tr><tr><td>ACH transfers to the account initiated using the mobile app or website***</td><td><ul><li>$3,000 per calendar day. No limit to the number of times per day.</li><li>$20,000 per calendar month</li></ul></td></tr><tr><td>Cash withdrawal (ATM)</td><td><ul><li>$500 per calendar day</li><li>$2,500 per calendar month</li></ul></td></tr><tr><td>Cash withdrawal (over the counter)</td><td><ul><li>$500 per calendar day</li><li>$2,500 per calendar month</li></ul></td></tr><tr><td>Account to Account transfer</td><td>$3,000 per calendar day.</td></tr></tbody></table>From time to time, Suvi may increase or decrease the limits or add additional limits to your account, including the card, for security, risk or other reasons.<h3>Funding and Limitations on your Teen Account</h3><table class="table table-striped"><thead><tr><th>Transaction Type</th><th>Maximum Frequency and/or Amount Limitations</th></tr></thead><tbody><tr><td>Maximum transfer from Primary Account and Friends</td><td>$2,000 per calendar day. No limit to the number of times.</td></tr><tr><td>Direct deposits of Automated Clearing House (&#8220;ACH&#8221;) transfers initiated from an outside financial institution*</td><td>No limit to the number of times per calendar day and no maximum dollar limit</td></tr><tr><td>Card purchases (signature &amp; PIN)</td><td>$1,000 per calendar day. No limit to the number of times.</td></tr><tr><td>Cash withdrawal (ATM)</td><td><ul><li>$200 per calendar day</li><li>$1,000 per calendar month</li></ul></td></tr><tr><td>Cash withdrawal (over the counter)</td><td><ul><li>$200 per calendar day</li><li>$1,000 per calendar month</li></ul></td></tr><tr><td colspan="2">* Your account number and bank routing number may be used for the purpose of initiating direct deposits to your Account. The recipient&#8217;s name on any direct deposit(s) Bank receives must match the name of the accountholder. Any direct deposits received in a name other than the name registered to the Account may be returned to the originator.</td></tr></tbody></table>IMPORTANT: IF YOUR ACCOUNT NUMBER CHANGES, YOU MUST IMMEDIATELY NOTIFY THE DEPOSITOR OF FUNDS. YOU MUST PROVIDE THEM WITH THE NEW ACCOUNT NUMBER TO ENSURE THAT THE FUNDS ARE PROPERLY CREDITED TO YOUR ACCOUNT AND THAT DIRECT DEPOSIT ACTIVITY CONTINUES UNINTERRUPTED.

What are the limitations on frequency and dollar amounts of transactions?

The routing number for your Suvi account is 026073150 (Community Federal Savings Bank).

What is the routing number for my Suvi account?

Yes, Suvi is the most versatile app for paying anyone. There’s no need to worry about connecting your Suvi account to other money transfer apps. You can send and receive payments, regardless of whether your friends have an account with us.

Can I send or receive funds using my Suvi Checking Account?

A Suvi checking account is your primary banking account with Suvi. You will automatically receive access to your checking account after signing up a new account at Suvi.



Based on Suvi’s next-generation integrated banking core and app, Suvi is able to provide you with more functionality and value than any other digital or traditional bank.



As always, our checking account comes with our no hidden fees commitment.



We provide fee-free overdraw with direct deposit; unlike traditional banks we do not charge fees, interest, or request tips.



You can get paid up to 2 days early and withdraw cash from more than 80,000 fee-free locations.

What is a Suvi Checking Account

Suvi has partnered with Visa Plus and MoneyPass to provide you with more than 80,000 fee-free in-network ATM access and cashback locations for fee-free withdrawal.

How do I make fee-free cash withdrawals at an ATM?

The average U.S. household pays over $329* in bank fees every year. Just on overdraft, traditional banks make $33 billion per year.



At Suvi, we believe that you can find better use for such funds. You can have peace of mind knowing that we have your back.

How much do traditional banks charge in fees?

When we say no hidden fees, we mean it: absolutely no fees for overdrafts, minimum balances, monthly maintenance fees, instant payments, or teen accounts (or any other hidden charges!).

What does Suvi’s “No Hidden Fees” pledge mean?

Suvi’s mission is to simplify banking, eliminate banking fees, and offer accessibility to everyone. Suvi does not charge any fees that traditional banks charge.



With SUVI, there are:



<ul><li>No overdraw fees</li><li>No monthly maintenance fees</li><li>No minimum balance requirements</li><li>No fees for joint or teen accounts</li><li>No fees for cash withdrawal at in-network ATMs.</li></ul>



The only fee that SUVI charges is for out-of-network ATMs. We provide you with more than 80,000 ATM and cash withdrawal locations where no cash withdrawal fees are charged.

What fees does Suvi charge?

After you enroll in FundMe, Suvi will approve Qualifying Transactions that result in a negative balance to your Suvi Checking Account to the Limit. We get repaid when you receive additional funds in your account. We don’t charge any fees, interest, or request tips.

How do I pay back the amounts I overdraw?

You have the flexibility to set your own overdraw limits up to the maximum that Suvi has provided in your account. You can set your limits by going to the settings page either in the Suvi mobile app or at suvicash.com.

Can I decrease my FundMe limit?

After you qualify for FundMe, your limit is set at $20. Suvi can increase the limit up to $200 and utilizes factors such as your Suvi account, direct deposit history and amounts, spending activity, and other risk-based factors to determine your FundMe limit.

How is my FundMe limit set?

A Qualifying Direct Deposit is defined as a direct deposit by an automated clearing house (ACH) transfer or Original Credit Transaction (OCT) from your employer, including a gig economy payer, payroll provider, or government benefits payer (including Social Security Payments and Child Tax Credit payments).

What is a Qualifying Direct Deposit?

To be eligible for FundMe and to maintain your eligibility, you must receive at least $500 in Qualifying Direct Deposits in any 31-day period.

How do I qualify for Suvi’s FundMe?

No. Suvi does not request any tips.

How about Tips?

No. Suvi does not charge any fees or interest for FundMe.

Does Suvi charge any fee for FundMe?

Suvi will notify you when you become eligible for FundMe. You can go to the settings page either in the Suvi mobile app or at suvicash.com and complete your enrollment.

Am I automatically enrolled in FundMe?

FundMe is only available for debit card purchases. FundMe is not available for ATM withdrawals, ACH transfers, Bill Pay, Pay Friends, or transfers to other accounts or Pots.

Which transactions are eligible for Suvi’s FundMe?

Suvi does not charge any fees, interest, or request tips for FundMe. On average, traditional banks charge a $35 fee every time you overdraw your account. Banks make $33 billion per year off of overdraft fees, and on average, individuals pay $250 a year on such fees. At Suvi, we don’t believe in punitive policies towards consumers.

How does Suvi’s FundMe compare with overdraft from traditional banks?

Suvi’s FundMe covers any accidental overdrafts. FundMe allows you to overdraw up to $200 in debit card purchases without incurring any fees. Suvi does not charge fees, interest, or request any tips.



Through Suvi’s FundMe, you can achieve peace of mind, knowing we have your back.

What is Suvi’s FundMe

Most overdraft fees are paid by regular hard working folks who are paycheck to paycheck. Join our mission to eliminate overdraft fees from the banking system. Suvi does not charge fees, interest, or request any tips.

Are you unhappy with overdraft fees?

Here’s how it all works. Your payroll or benefits data is submitted by your employer or government agency to the Federal Reserve System. The Fed then notifies Suvi to deposit your payroll or government benefits on a particular date. Suvi funds your account as soon as we get notified (usually 2 days early), rather than waiting for payroll day.



It’s our way of saying thank you for trusting us to keep your hard-earned money safe.

How is Suvi able to provide up to 2 days early pay over traditional banks?

With direct deposit, you don’t have to worry about lost paychecks in the mail. Direct deposit is the safest and fastest way to receive your money.

How safe is direct deposit?

Please see “How do I receive my direct deposit up to 2 days early?” above.

How do I set up direct deposit?

Receive your deposits up to 2 days early in one of the following ways:



<ol><li>Please provide Suvi’s routing and bank account number to your employer including gig economy payers, payroll providers or government benefits payers (including for Social Security Payments and Child Tax Credit payments).</li><li>You can enter Suvi’s account and routing number at your employer’s or payroll company’s website.</li><li>You can access the direct deposit form under the Move Money or Settings tab and provide your employer with a completed copy. We can also email one to you at your request.</li><li>You can also find a pre-filled form with your welcome package.</li></ol>



If you run into any issues, we are here to help. You can reach us through the mobile app or at suvicash.com.

How do I receive my direct deposit up to 2 days early?

With Suvi, we help provide you with a financial buffer by having payday come early via direct deposit. You can get your deposit from your employer, including gig economy payers, payroll providers or government benefits payers (including Supplemental Security Income (SSI) and Child Tax Credit payments) up to 2 days before your co-workers. That’s two more days to do more with your money.



Eliminate worries about expensive prepaid cards, payday loans, lost checks, or laggy mobile payment services.

How do I get a financial buffer?

Suvi account statements are considered to be correct. Please carefully review your statements each statement period and notify us of any errors within 60 days of your statement becoming available.

How do I get an error in my monthly statement corrected?

Suvi provides all account holders with paperless monthly statements on your online accounts at our mobile app or at suvicash.com. Statements for the previous calendar month are made available to you on the 5th of each month. You can download or print your monthly statements by going to your online account and clicking the settings tab on the left-hand side.

Where can I get my account statements?

You can change your password directly in the settings section of the Suvi mobile app or at suvicash.com.

How do I change my password?

Please enter your email address or phone number and click on Need Help on the next screen. You can follow the instructions to set a new password.

How do I log in if I do not remember my password?

Suvi makes it easy for you to instantly update your personal information. You can update your email, phone number, address, and password directly in the settings section of the Suvi mobile app or at suvicash.com.

How can I change my personal information?

We do not perform a credit check and strive to provide a Suvi account as long as we can verify you. For us, Suvi users and employees all belong to the same Suvi Family. As such, we consider it a priority to keep your account and finances safe. If we are not able to verify you, you will not be able to open a Suvi account.

Can I be denied a Suvi account?

No, opening a Suvi account will not impact your credit score.

Does opening a Suvi account impact my credit score?

No, we do not perform a credit check. Our mission is to offer accessibility to everyone. Opening a Suvi account will also not impact your credit score.

Does Suvi perform a credit check?

Yes. In order to keep your account and finances safe, we need to verify you. In the vast majority of cases, we provide instant access to your account and you are able to perform transactions instantly. We also provide an instant digital debit card to make purchases. In a few instances, we will have to manually verify the information that you provide.

Do you provide instant access to a Suvi account?

Suvi’s most important priority is to keep your account and finances safe. We go beyond most other digital or traditional banks. Using 128-bit AES encryption, access control, and secure processes, we ensure your information and money are always safe. Your social security number will always remain secure since we only store it in encrypted form.

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