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^† The referred individual must pass ID verification, cannot be a previous cardholder and must open a new account using the referring CARD.com cardholder’s unique referral link. A cumulative $200 in payroll or federal benefits direct deposits, excluding tax refunds, must be met within 60 days from new card order, and the $50 will be credited within 5 business days. Referring and referred cardholders must have an account in good standing throughout the promotion. Credits totaling $600 or more must be reported on tax form 1099 MISC.

^## If you directly deposit $1,000.00 or more in the prior 30-day period, in one lump sum or an aggregate of deposits totalling $1,000.00, the Monthly Maintenance Fee will be waived and will not appear on your Card Account. If in the following 30-day period month the minimum direct deposit load of $1,000.00 is not met, then you will see the Monthly Maintenance Fee charged to your Card Account.

^### Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.

^‡ In order for you to be paid early, your payroll or benefits payment provider must submit the deposit early. It is important to note that your payroll or benefits payment provider may not submit the deposit or payment early each payment period. Be sure to ask your payroll or benefits payment provider when they submit your deposit information to the bank for processing. First time deposits less than $5.00 and deposits from tax sources do not qualify for early deposit of funds. Some deposits may not post early at our discretion.