Common use of Loading the Card Clause in Contracts

Loading the Card. Subject to the limitations described in Section 8 above, your employer may load funds to your Card. In addition, subject to the limitations described in Section 8 above, you may load funds to the Card at any time by: (i) authorizing a deposit through the Automated Clearing House (“ACH”) network (e.g., direct deposit of your wages, government benefits, and tax refunds); (ii) tendering cash at an authorized reload location (a list of locations is available after you log in to your account on the Card Program Website or by calling Customer Service); (iii) receiving funds from another Card through use of the Card-to-Card transfer service (“Card-to-Card Transfer Service”), which allows the transfer of funds between Card Accounts at the Card Program Website; and (iv) depositing eligible checks using a third-party mobile check load provider’s service, such deposits being subject to the third-party provider’s terms and conditions, which may be amended from time to time (see Section 11 below for more information). For more information about direct deposit transactions, see Section 12 below. Cash reloads will generally be available in the Card Account within ten (10) minutes of completing the transaction at an authorized reload location. Funds transferred using the Card-to-Card Transfer Service will generally be available in the Card Account within five (5) minutes of when the sender completed the transaction. If you arrange to have funds transferred directly to the Card from a third party through an ACH credit, you must provide the third party with the Bank’s routing number and the direct deposit account number assigned to the Card Account. Obtain these numbers by logging in to your account on the Card Program Website or by contacting Customer Service. The 16-digit number embossed on the Card cannot be used for direct deposit transactions. You may be required to present the Card and satisfy certain identification requirements in order to complete a load transaction. At our discretion, a load in excess of the limits described in Section 8 above, including the maximum value limit, may be allowed to post to the Card Account. However, if such a load is allowed on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be allowed in the future. The Bank will not accept personal checks, cashier’s checks, or money orders for deposit to the Card Account. All such checks and money orders sent to the Bank will be returned unless the full amount may be applied toward a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Bank.

Loading the Card. Subject to the limitations described in Section 8 above, your employer may load funds to your Card. In addition, subject to the limitations described in Section 8 above, you may You can load funds to the Card at any time byusing any of the following methods: (i) authorizing • You may remit cash at any of the Directions Credit Union Locations, • You may transfer available funds to the card from a deposit through the Automated Clearing House (“ACH”) network (e.g.account you have with Directions Credit Union, • Via direct deposit of your wagespaycheck, government benefits, • You may use our mobile device services and tax refunds); (ii) tendering cash at an authorized reload location (a list of locations is available after you log mobile remote deposit services to transmit check images to us in order to load funds to your account on Card, subject to the Card Program Website terms and conditions of and your enrollment in those services. These services are provided by Ingo Money where additional terms and conditions may apply.** Directions or by calling Customer Service); (iii) receiving its service providers reserve the right to accept, reject, or limit any attempted load of funds onto the card in our sole and absolute discretion, • You may use the online banking service to transfer funds from another Card through i Direct c ard or a checking or savings account to the card, • You may use of MoneyGram to load funds to your Card.*** We reserve the Card-to-Card transfer service (“Card-to-Card Transfer Service”), which allows right to delay the transfer availability of funds between loaded to your Card Accounts at using any of these loading methods until such funds have cleared and posted to your Card. Funds loaded to the Card Program Website; and (iv) depositing eligible checks using a third-party mobile check load provider’s service, such deposits being subject to the third-party provider’s terms and conditions, which may be amended from time to time (see Section 11 below for more information). For more information about direct deposit transactions, see Section 12 below. Cash reloads your savings or checking account will generally be available in the Card Account within ten (10) minutes of completing the transaction at an authorized reload location. Funds transferred using the Card-to-Card Transfer Service will generally be available in the Card Account within five (5) minutes of when the sender completed the transactionbusiness days after load instructions. If you arrange to have funds transferred directly to the Card from a third party through an ACH credit, you must provide the third party with the Bank’s routing number and the direct deposit account number assigned to the Card Account. Obtain these numbers by logging in to your account on the Card Program Website or by contacting Customer Service. The 16-digit number embossed on the Card cannot be used for direct deposit transactions. You may be required to present the Card and satisfy certain identification requirements in order to complete a load transaction. At our discretion, a load in excess of the limits described in Section 8 above, including the maximum value limit, may be allowed to post to the Card Account. However, if such a load is allowed on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be allowed in the future. The Bank will not accept personal checks, cashier’s checks, or money orders for deposit to the Card Account. All such checks and money orders sent to the Bank will be returned unless the full amount may be applied toward a negative balance, in which case the check or money order may or may not be Funds loaded to the Card using Direct Deposit will generally be available on the business day we receive the transfer. We may change accepted tender types and funding methods for the Card at any time for legal, risk management, security or other purposes. IMPORTANT: You will not be able to access funds loaded to the discretion Card using your Funding Source or via direct deposit of your paycheck until you have activated your Card. You may load funds to the BankCard using your Funding Source until the aggregate balance on your Card equals $10,000. Not more than $99,999 may be loaded to your Card in any 1-month period. The maximum aggregate balance on your Card at any time may not exceed $10,000. We may change these limits at any time for legal, risk management, security or other purposes. You will not earn dividends on funds loaded to the Card.