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Banking services provided by Community Federal Savings Bank, Member FDIC. The Ando Visa® Debit Card is issued by Community Federal Savings Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Insurance products and services are Not: a bank deposit or obligation, FDIC insured, insured by any Federal government agency, guaranteed by any bank.

¹ Not all transactions qualify. See terms for details.

² After receiving at least $500 in direct deposits within a 31-day rolling period, you will be eligible for Early Pay™ on subsequent direct deposits within the same 31-day rolling period. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

³ To qualify for Grow Your Savings™ each month, you must make at least five Ando Visa® Debit Card transactions and receive $500 in qualifying deposits within a 31 day rolling period In order for you to automatically boost your savings account rate up to 5.00% Annual Percentage Yield (on balances up to $5,000 per month), up to five friends must sign up for Ando using your referral link and become active users by making at least five Ando Visa® Debit Card transactions and receiving at least $100.00 in deposits within 60 days of opening their Ando Spending Account. Grow Your Savings™ is active through 12/31/2022 but may be extended by Ando.

⁴ Fee-free withdrawals MoneyPass® ATMs. Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

⁵ Your financial institution must be notified immediately of any unauthorized use. For specific restrictions, limitations, and additional details, please contact your issuer.

⁶ Fossil Fuels Finance Report 2020 Global Banks, Led by JPMorgan Chase, Invested $2.7 Trillion in Fossil Fuels Since Paris Climate Pact

⁷ Ando's Covered by Ando is an optional, no-fee service that requires direct deposits of $500 or more in qualifying direct deposits to your Ando account each month (31-day period). You will initially be allowed to overdraw your account up to $20 on debit card purchases after qualifying for the service, but you may later be eligible for a higher limit of overdraft protection--up to $200--based on your Ando account history, direct deposit frequency and amount, spending activity, and other risk-based factors. Your limit will be displayed within the Ando mobile app. You will receive notice of any changes to your limit, and that limit may change at any time, at Ando's discretion. See full Terms and Conditions.

*Ando's CO2 emissions reduction estimate is based on the average emissions for a US consumer and the effects that an average Ando customer's banking behavior may have in reducing their own C02 footprint attributable to sustainable banking. - The Percent Interest earned amount is based on one year and is calculated on an estimated average daily Ando account balance. Ando’s modeling suggests that there’s a relationship between the number of debit card transactions and the average savings bank account balance. The Friends Referred amount assumes that the referred number of friends open accounts and receive $100 in qualifying deposits and complete 5 transactions within 45 days. Your individual results may vary from the figures depicted in Your Potential Calculator depending on your actual sustainable banking behavior.

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