Experian Smart Money™ Accounts Disclosures

Effective Date: December 1, 2025

The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank.

^§Funds in your Experian Smart Money™ Accounts are held in a pooled deposit account at Community Federal Savings Bank and insured up to $250,000 for each account ownership category. Learn more at FDIC.gov.

^#Limits apply. See Cardholder Agreement and Savings Agreement.

*Credit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more.

^øResults will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost^®. Three or more qualifying residential rent payments within a certain amount range within 6 months to a qualified property manager or rental payment platform with 1 such payment within 3 months are required to boost with rent. Rent may not be boost-eligible if a third party data-furnisher has already provided any rent or mortgage data to your Experian credit file. Learn more.

^ӂExperian Smart Money™ Accounts are only available to residents of U.S. states and the District of Columbia, 18 years or older.

^◊If you choose to use direct deposit, you may obtain a pre-filled direct deposit form via the App or Website. You may also choose to systematically change your direct deposit from an existing bank account to your Account via the App or Website, through a third-party service provider subject to such third-party’s terms and conditions provided to you when you choose to systematically change your direct deposit via the App or Website. It may take up to two pay cycles, depending on your employer, to complete processing.

^†Early access to your direct deposit into your Experian Smart Money™ Digital Checking Account depends on the timing of receipt of the incoming direct deposit file. We generally make direct deposits available up to 2 days earlier than the payment date specified in the direct deposit file. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Daily and monthly deposit limits apply. See Cardholder Agreement.

^‡To be eligible for the $50 bonus, your Experian Smart Money™ Digital Checking Account must be credited with at least $1,000 in direct deposits within 45 business days of opening your account, and your account must stay active and in good standing at the time the bonus is paid. The bonus will be deposited into your account within 10 business days, once earned. Limit 1 bonus per cardholder. Offer subject to change by Experian at any time without prior notice. Terms and conditions apply. See the Incentives section in the Cardholder Agreement to learn more.

**Experian Smart Money™ Digital Checking Accounts have access to over 55,000 surcharge-free ATMs with the Allpoint ATM network. You may be charged a fee for attempting a cash withdrawal with an out-of-network ATM or point-of-sale device by Experian and/or the operator including for a balance inquiry even if you do not complete a cash withdrawal. Learn more.

^ΔFunds may be required to request/receive an Experian Smart Money™ Digital Checking Account physical debit card.

^ƒYour Experian Smart Money™ Debit Card can be linked to mobile payment platforms, including Apple Pay^®, Google Pay, and Samsung Pay (“Digital Wallet”), using certain, eligible devices. Additional terms apply.

^||The Experian Smart Money™ Digital Savings Account’s Annual Percentage Yield (APY) is current as of today’s date based on the Experian membership status. The APY may change at any time before or after your account is opened. Changes to the Experian membership can impact the APY, interest rate, and features. The interest rate and APY may be lower during membership trial periods. No minimum deposit to open account. Balance must be at least $0.01 to earn APY. Learn more.

^¥Eligible Experian Smart Money™ Digital Checking Account debit card purchases will be rounded up to the nearest dollar and the Round Up Amount will be transferred from your Digital Checking Account to your Experian Smart Money™ Digital Savings Account. Round Up is available for eligible paid Experian memberships with both an Experian Smart Money™ Digital Checking Account and Digital Savings Account. Limitations apply. See Round Up section in the Cardholder Agreement or Savings Agreement.

¹Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Benefits are provided by Mastercard^® and its partners, not Experian. Insurance benefits are provided by New Hampshire Insurance Company, an AIG company, New York, NY. Non-insurance benefits are provided by AIG Warranty Guard, Inc., an AIG company. Benefits provide secondary coverage only. Experian does not accept or assume any responsibility or liability for any obligations, acts, or omissions of Mastercard^® or any of its affiliates, agents, partners or independent contractors in connection with Smart Coverage benefits. Please click for more information on your Mastercard^® Guide to Benefits.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.