Serve Visa Free Reloads Deposit Account Agreement

All fees	Amount	Details
Card price and set up
Retail Card purchase price	Up to $2.00	This is a one-time fee
Online Card Purchase	$0.00
Monthly usage
Monthly fee	$9.95	This is a monthly fee. The first monthly fee is assessed within 24 hours of registering/funding and cannot be waived.
Deposits
Add Money (in-network) at participating retailers)	$0.00	Add Money service is provided by InComm Financial Services, Inc. subject to additional terms (see Add Cash for more details). "In-network" refers to reloads at over 45,000 locations including 7-Eleven (select locations), CVS, Dollar General, Family Dollar, Rite Aid, and Walmart. Barcode reloads on your mobile app at Walgreens locations are free and swipe reloads at Walgreens locations incur a fee of up to $3.95. Reloads outside of these retailers can incur a fee of up to $3.95. The amount of each load to your account using cash must be at least $20.
Add Money (out-of-network) at other retailers)	Up to $3.95	This is a per transaction fee that varies by retailer. Add Money service is provided by InComm Financial Services, Inc. subject to additional terms (see Add Cash for more details). "Out-of-network" refers to reloads at locations other than the above-mentioned in-network retailers. Fee varies by retailer. Swipe reloads (not using a barcode on your mobile app) at Walgreens have a fee of up to $3.95. The amount of each load to your account using cash must be at least $20.
Mobile Check Service by Ingo^® Money
Money in ten (10) days	$0.00	If your check is returned unpaid within the ten (10) day period, your Account will not be funded. There is no minimum check amount.
Money in Minutes	1% or 5% of check amount, with $5.00 minimum fee	A 1% fee applies to payroll and government checks with a pre- printed signature. A 5% fee applies to all other check types including personal checks and business checks, payroll checks with a handwritten signature, insurance checks, attorney's checks, cashier checks, money orders, rebate checks and refund anticipation checks. The Ingo Money service is provided by a national bank identified in the Terms and Conditions and Ingo Money, Inc., subject to the bank’s and Ingo Money’s Terms and Conditions and the bank’s and Ingo Money’s Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole discretion. Approval usually takes three (3) to five (5) minutes but can take up to one (1) hour. Fees apply for approved Money in Minutes transactions funded to your account.
Get cash
ATM Withdrawal (out-of-network)	$3.00	We charge this fee per transaction. You may also be charged an additional fee by the ATM operator, even if you do not complete a transaction.
ATM Withdrawal (in-network)	$0.00	"In-network" refers to the MoneyPass® ATM Network. See serve.com/atm for locations and other details.
ATM Decline	$0.75	Per decline. This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Over the Counter Withdrawal	$4.00	This is a per transaction fee charged when an accountholder withdraws cash from their account using a debit card at a bank teller location.
Cash Pickup powered by Ria®	Up to $9.49	Per withdrawal. The Cash Pickup service is provided by Ria® for pick up at Walmart®. The Cash Pickup fee depends on the withdrawal amount. $3.49 per withdrawal for cash out up to $500 $6.49 per withdrawal for cash $500.01-$1,000 $9.49 per withdrawal for cash $1,000.01-$2,900 See serve.com/money-transfer-pickup for more details.
Serve Money Transfer powered by Ria®	Up to $16.99	The Serve Money Transfer service is provided by Ria and is subject to Ria’s Terms and Conditions and Privacy Policy. The Serve Money Transfer fee depends on the transfer amount. $4.99 for transfers up to $50 $8.99 for transfers $50.01 - $1,000 $16.99 for transfers $1,000.01 - $2,500 See serve.com/money-transfer-pickup for more details.
Information
ATM balance inquiry	$0.50	This is our fee. We charge this fee per transaction. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Using your Card Outside the U.S.
International ATM withdrawal	$4.00	This is our fee. This fee is per transaction. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Foreign Transaction Fee	3%	This is a per transaction fee charged when an accountholder completes a transaction in a non-U.S. currency that is converted to U.S. dollars.
International ATM Balance Inquiry	$0.50	This is our fee. We charge this fee per transaction. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
Other
Card replacement - standard	$5.00	This fee is per replacement card. Card will arrive in approximately ten (10) or more Business Days.
Card replacement – expedited shipping	$20.00	Per replacement card, FedEx carrier delivery. Card will arrive in three (3) to four (4) Business Days. Expedited shipping is not available to customers in Alaska, Hawaii, Puerto Rico, and the U.S. Virgin Islands.
Your monthly statement period will begin on the date you successfully register for a Serve Bank Account. Your first Monthly Fee will be assessed within 24 hours after registering your account for starter cards purchased in retail, within 24 hours of funding accounts registered online, or within 24 hours of receiving a limited use account. You will see the Monthly Fee listed in your Periodic Statement and Account Transaction History. The schedule above sets forth fees we impose on the respective transactions. We will deduct all applicable fees from the Available Funds in your account. If you have insufficient available funds in your account, we will next look to your Goals (if applicable), followed by your subaccount(s).

Question	Short Answer	Further Detail
Background and Scope.
What is arbitration?	An alternative to court	In arbitration, a neutral third-party arbitrator (“Arbitrator”) solves Disputes in an informal hearing on an individual basis.
Is it different from court and jury trials?	Yes	The hearing is private. There is no jury. It is usually less formal, faster and less expensive than a lawsuit. Pre-hearing fact finding is limited. Appeals are limited. Courts rarely overturn arbitration awards.
Can you opt-out of this Arbitration Clause?	Yes, within 60 days	If you do not want this Arbitration Clause to apply, you must send us a signed notice within 60 calendar days after you acquire the Account. You must send the notice in writing (and not electronically) to our Notice Address. Provide your name, address and Card or Account number. State that you “opt out” of the Arbitration Clause. Opting out will not affect the other provisions of this Agreement.
What is this Arbitration Clause about?	The parties' agreement to arbitrate Disputes	Unless prohibited by Applicable Law and unless you opt out, you and we agree that you or we may elect to arbitrate individually or require individual arbitration of any “Dispute” as defined below.
Who does the Arbitration Clause cover?	You, us and certain “Related Parties”	This Arbitration Clause governs you and us. It also covers certain “Related Parties”: (1) our parents, subsidiaries, affiliates, and their successors and permitted assigns; (2) our employees, directors, officers, shareholders, members and representatives; and (3) any person or company that is involved in a Dispute you pursue at the same time you pursue a related Dispute with us.
What Disputes does the Arbitration Clause cover?	All Disputes (except certain Disputes about this Arbitration Clause)	This Arbitration Clause governs all “Disputes” that would usually be decided in court and are between us (or any Related Party) and you. In this Arbitration Clause, the word “Disputes” has the broadest reasonable meaning. It includes all claims even indirectly related to your Account or this Agreement or the relationships between you and us and/or “Related Parties” resulting therefrom, including but not limited to, initial claims, counterclaims, cross-claims, third-party claims, and claims based on any constitution, statute, regulation, ordinance, common law rule (including rules relating to contracts, torts, negligence, fraud or other intentional wrongs) and equity. It includes claims that seek relief of any type, including damages, and/or injunctive, declaratory, or other equitable relief. It includes claims related to the validity in general of this Agreement. However, it does not include disputes about the validity, coverage or scope of this Arbitration Clause or any part of this Arbitration Clause. (This includes a Dispute about the rule against class arbitration.) All such disputes are for a court and not an Arbitrator to decide.
Who handles the arbitration?	Usually AAA or JAMS	Arbitrations are conducted under this Arbitration Clause and the rules of the arbitration administrator in effect when the arbitration is started. The arbitration administrator will be either: The American Arbitration Association (“AAA”), 120 Broadway, 21st Floor, New York, NY 10271, www.adr.org. JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com Any other company picked by agreement of the parties. If all the above options are unavailable, a court with jurisdiction will pick the administrator. No arbitration may be administered without our consent by any administrator that would permit a class arbitration under this Arbitration Clause. The Arbitrator will be selected under the administrator's rules. However, the Arbitrator must be a lawyer with at least ten years of experience or a retired judge unless you and we otherwise agree.
Can Disputes be litigated?	Sometimes	Either party may bring a lawsuit if the other party does not demand arbitration. Also, any individual claim(s) by you or us in which the amount in controversy (exclusive of attorneys' fees and costs if Applicable Law so provides) is properly within the jurisdiction of a small-claims court may be removed to small-claims court at the election of the opposing party by providing notice within 21 days of receiving the arbitration demand from the other party; however, if that action is transferred, removed or appealed to a different court, a party may elect arbitration. Even if all parties have opted to litigate a Dispute in court, you or we may elect arbitration with respect to any Dispute made by a new party or any Dispute later asserted by a party in that lawsuit or in any related or unrelated lawsuit (including a Dispute initially asserted on an individual basis but modified to be asserted on a class, representative, or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Clause.
Are you and we giving up any rights?	Yes	For Disputes that are arbitrated under this Arbitration Clause, you and we give up our rights to: Have juries decide Disputes. Have courts, other than small-claims courts, decide Disputes. Serve as a private attorney general or in a representative capacity in court or in arbitration. Join a Dispute that you, we, or Related Parties have with a dispute that others have. Bring or be a class member in a class action in court or in a class arbitration. The Arbitrator shall have no authority to conduct any arbitration inconsistent with this section or to issue any relief that applies to any person or entity except you or us or Related Parties individually.
Can you or another consumer start a class arbitration?	No	The Arbitrator is not allowed to handle any Dispute on a class or representative basis. All Disputes subject to this Arbitration Clause must be decided in an individual arbitration or an individual small-claims action. You may not pursue any type of collective action or class action against us in arbitration.
What law applies?	The Federal Arbitration Act (“FAA”)	This Agreement and the account involve interstate commerce. Thus, the FAA governs this Arbitration Clause. The Arbitrator must apply substantive law consistent with the FAA. The Arbitrator must honor statutes of limitation and privilege rights. The Arbitrator is authorized to award all remedies permitted by applicable substantive law, including, without limitation, compensatory, statutory and punitive damages (subject to constitutional limits that would apply in court), declaratory, injunctive and other equitable relief, and attorneys’ fees and costs. In the event of any conflict or inconsistency between this Arbitration Clause and the administrator’s rules or the Agreement, this Arbitration Clause will govern.
Will anything I do make this Arbitration Clause ineffective?	No	This Arbitration Clause stays in force even if: (1) you or we end this Agreement; (2) we transfer or assign our rights under this Agreement, or (3) a party files for bankruptcy (if bankruptcy law permits).
Process.
What must a party do before starting a lawsuit or arbitration?	Send a written Dispute notice and work to resolve the Dispute	Before starting a lawsuit or arbitration, the complaining party must give the other party written notice of the Dispute. The notice must explain in reasonable detail the nature of the Dispute and any supporting facts. If you are the complaining party, you must send the notice in writing (and not electronically) to our Notice Address. You or an attorney you have personally hired must sign the notice and must provide your Card or Account number or identification and a phone number where you (or your attorney) can be reached. A letter from us to you will serve as our written notice of a Dispute. Once a Dispute notice is sent, the complaining party must give the other party a reasonable opportunity over the next 30 days to resolve the Dispute on an individual basis.
How does an arbitration start?	Mailing a notice	If the parties do not reach an agreement to resolve the Dispute within 30 days after notice of the Dispute is received, the complaining party may commence a lawsuit or an arbitration, subject to the terms of this Arbitration Clause. To start an arbitration, the complaining party picks the administrator and follows the administrator's rules. If one party begins or threatens a lawsuit, the other party can demand arbitration. This demand can be made in court papers, such as a motion to compel arbitration. Once an arbitration demand is made, no lawsuit can be brought and any existing lawsuit must stop unless a court rules otherwise.
Will any hearing be held nearby?	Yes	The Arbitrator may decide that an in-person hearing is unnecessary and that he or she can resolve a Dispute based on written filings and/or a conference call. However, any in-person arbitration hearing must be held at a place reasonably convenient to you.
What about appeals?	Very limited	Appeal rights under the FAA are very limited. The Arbitrator’s award will be final and binding. Any appropriate court may enter judgment upon the Arbitrator's award.
Arbitration Fees and Awards.
Who bears arbitration fees?	Usually, we do.	We will pay all filing, administrative, hearing and Arbitrator fees if you act in good faith, cannot get a waiver of such fees, and ask us to pay. We will always pay amounts required under Applicable Law or the administrator's rules.
When will we cover your legal fees and costs?	If you win	If you win an arbitration, we will pay the reasonable fees and costs for your attorneys, experts and witnesses. We will also pay these amounts if required under Applicable Law or the administrator's rules or if payment is required to enforce this Arbitration Clause. The Arbitrator shall not limit his or her award of these amounts because your Dispute is for a small amount.
Will you ever owe us for arbitration or attorneys' fees?	Only for bad faith	The Arbitrator can require you to pay our fees if (and only if): (1) the Arbitrator finds that you have acted in bad faith (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)); and (2) this power does not make this Arbitration Clause invalid.
Can an award be explained?	Yes	A party may request details from the Arbitrator within 14 days of the ruling. The Arbitrator will determine whether to grant such request.
What happens if a part of this Arbitration Clause cannot be enforced?	It depends	If any portion of this Arbitration Clause cannot be enforced, the rest of the Arbitration Clause will continue to apply, except in two instances. First, if a court rules that the Arbitrator can decide a Dispute on a class basis and that ruling is not reversed on appeal, then this entire Arbitration Clause (except for this sentence) will be void. Second, if a claim is brought seeking public injunctive relief and a court determines that the restrictions in this Arbitration Clause prohibiting the Arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such claim (and that determination becomes final after all appeals have been exhausted), then the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated. In such a case, the parties will request that the court stay the claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a claim for public injunctive relief be arbitrated.