Netspend Skylight Account

Schedule of Account Fees and Terms

Account Opening and Usage

Minimum Deposit Needed to $0.00

Open Account

Monthly Fee $0.00

Inactivity Fee $5.95 per month. Fee applies if your Account has not had any activity, that is, no purchases; no cash withdrawals; no
deposits; and no Balance Inquiry Fees, for ninety (90) days. Inactivity Fees void where prohibited by law.

Interest-Bearing Yes. The interest rate on your Account is variable. The current interest rate on your Account is 0.01% with an APY of 0.01%.

ATM Fees
When you use an out-of-network ATM, you may be charged surcharge fees and you may be charged a Balance Inquiry Fee even if you do not complete a funds transfer.

ATM Cash Withdrawal Fee – Domestic $0.00 No fee for ATM withdrawals at in-network ATMs. See www.netspendskylight.com for an in-network ATM locator.
on Allpoint® Network or MoneyPass®
Network ATMs (in-network ATMs)

ATM Cash Withdrawal Fee – Domestic out $2.75 per withdrawal conducted at an out-of-network ATM. You may also be charged a surcharge fee by the
of Allpoint Network or MoneyPass Network out-of-network ATM owner (“surcharge fee”).
(out-of-network ATMs)

ATM Cash Withdrawal $5.00 for each withdrawal conducted at an ATM outside the U.S.
Fee - International

Balance Inquiry Fee – ATM Domestic $1.00 for each balance inquiry conducted at an ATM inside the U.S.

Balance Inquiry Fee – ATM International $1.00 for each balance inquiry conducted at an ATM outside the U.S.

Tips to avoid ATM Fees:

1. Visit any in-network ATM in the U.S. Use in-network ATMs to avoid ATM Cash Withdrawal Fees and to avoid surcharge fees. Balance Inquiry Fee may apply. Visit your
OAC for a list of in-network ATMs.
2. Select “DEBIT” and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.

Optional Debit Card Overdraft Service

This optional service has Accountholder activation and eligibility requirements. See the Deposit Account Agreement for information.

Overdraft Fee $30.00 per transaction.

Maximum Number of Overdraft Fees 5 per Calendar Month / 45 per Annual Period

Overdraft Fee Threshold $5.00

Once an Overdraft transaction is settled, and creates a negative Actual Balance greater than five dollars ($5.00), you
will have twenty-four (24) hours to add sufficient funds to your Account to bring your Account back to a zero or
positive Actual Balance to avoid incurring any Overdraft Fee(s) (“Grace Period”).
Please see your Deposit Account Agreement for additional information on avoiding overdraft fee(s).

Processing Policies

Funds Availability Policy Transactions are generally processed as follows:

When funds deposited to your Account • Direct Deposits and any other ACH credits are available at the time we receive and process the applicable ACH file or
are available and the order in which at the time we receive pending deposits that are immediately available for your use.
withdrawals and deposits • ACH debits are deducted from your Account in the order of lowest to highest dollar amount if multiple ACH debits
are processed. are present in a single ACH file that we process or if multiple ACH debits are received with an effective date in the
future.
• Debit transactions received during the day are debited as they occur if there is a sufficient Available Balance in your
Account to pay them.
• Accrued interest is paid the day after the end of the quarter.
• Fees for services we provide that have not already been debited from your Account are deducted from your Available
and Actual Balance.
• Generally, funds that we receive from you through eligible third-party service providers will be available to you within
one (1) hour from the time we receive them from the third-party service provider.
Other types of deposits: Timing will be disclosed at the time other deposit options are offered to you.
This represents our general policy. For specific details, please see the “Funds Availability” section in the
Deposit Account Agreement.

Business Day Any day of the week that is not a Saturday, Sunday, or federal holiday. Non-Business Days are considered
part of the following Business Day.

750352221
 Additional Account Support

Direct Deposit Fee $0.00

Balance Inquiry Fee – OAC, $0.00

Mobile App, Email, or Text Message Standard text message or data rates may apply.

Balance Inquiry Fee – $0.00

Telephone Automated Service

Balance Inquiry Fee – $0.50 per inquiry conducted through a Customer Service Agent.
Telephone Customer Service Agent

Over-the-Counter Cash Withdrawal $0.00 per withdrawal, plus the Foreign Transaction Fee (if any), at a bank location. A fee may also be assessed by a
Fee at a Financial Institution financial institution that is not a member financial institution (e.g., Visa or Mastercard).

Over-the-Counter Cash Withdrawal Fee at a Fees are determined and assessed by third parties and not the Bank. Fees, limits, and service availability vary by
Netspend Network location location. Visit your OAC for details.

Additional Statement Mailing Fee $5.00 per statement requested.

$0.00 to view or print your statement on the Online Account Center (OAC).

Replacement Card Fee $7.00 per replacement requested for lost, stolen, or damaged Cards.

Additional Card Fee $9.95 per additional Card requested.

Custom Card Fee $4.95 per custom Card, if available.

7-10 Business Days $0.00

Card 3 Business Days $20.00

Delivery Fee
1-2 Business Days $25.00

Account Closure Fee $15.00 per check requested to return funds at Account closure.

Decline Fee – ACH Debit or $5.00 per declined ACH debit or preauthorized payment transaction.
Preauthorized Payment Transactions

Stop Payment Fee – ACH Debit or $1.00 per stop payment requested.
Preauthorized Payment Transactions

Foreign Transaction Fee 3.0% fee assessed on all purchase transactions and cash withdrawals conducted outside of the U.S. and based on U.S.
dollar amount of the transaction.
For cash withdrawal transactions, the surcharge is in addition to the International ATM Cash Withdrawal Fee.

Funds Transfer

Account-to-Account Transfer Fee – Online $0.00 per transfer conducted through the OAC.

Account-to-Account Transfer Fee – $4.95 per transfer conducted through a Customer Service Agent.
Customer Service Agent

Dispute Resolution

If you have questions or would like additional information

Please visit the OAC or call us at 1-866-269-4674. We will be happy to assist you. In addition, the Deposit Account Agreement governs the terms and conditions of
Account(s) with us. Please refer to the Agreement for complete Account details.

Other Service Fees

Bill Payment Fee Visit your OAC for a full range of bill payment options, including ACH Debit/Preauthorized Payment
transactions. Depending on the bill payment service you select, a fee may be assessed to your Account
and will be disclosed to you prior to use of the service. Certain fees are determined and assessed by
third-party service providers.

Funds Transfer Fee Visit your OAC for a full range of transfer options between your Account and another account or third
party. Depending on the transfer service you select, a fee may be assessed to your Account or to the
transferor. The fee may be determined by a variety of factors set by the service provider, such as speed, amount, or
destination. Some of the fees are assessed by third parties or the originating bank, and are not assessed by Bank.

Netspend® Skylight® is a deposit account that is offered by Republic Bank & Trust Company, Member FDIC. Netspend is a service provider to Republic Bank & Trust Company. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608
and 6,189,787. Fees, terms and conditions apply.
© 2021 Netspend Corporation. All rights reserved worldwide. All other trademarks and service marks belong to their owners.