1 While North One does not issue personal checkbooks to write checks, North One gives you the freedom to send checks to anyone, anytime, from anywhere via your North One Account. See your Deposit Account Agreement for more details.

2 The Annual Percentage Yield ("APY") for your Standard or Plus Plan is variable and may change at any time. 2.50% APY applies to Standard Accounts, and 3.00% APY applies to Plus Accounts on balances of $250,000 or less if eligibility requirements are met, including but not limited to a cumulative monthly card spend of at least $500.00, and if the account balance is greater than $0.00. For Accounts with balances over $250,000 the APY will range from 3.00% to 2.14% for Plus Plans and 2.50% to 1.78% for Standard Plans. The disclosed APY is effective as of December 18, 2024, please see yourr APY Program Terms & Conditions for details.

3 Fees are charged for certain payment services, see the Fee Schedule in the Deposit Account Agreement for details.

4 North One is not FDIC-insured. Deposit insurance coverage only protects against failure of The Bancorp Bank, N.A.

5 The national average interest rate for interest checking as posted on https://www.fdic.gov/national-rates-and-rate-caps, as of January 21, 2025.

6 We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account. This could also include, but is not limited to, preauthorized ACH transfers that are scheduled, recurring, and/or pending but have not yet settled. In some instances, we may try to cancel or recoup funds from transfers made with the invalid funds due to an ACH or check return. If your account balance remains negative, activity will be evaluated, and your account could be closed.

7 Automatic rebates are provided by North One’s Mastercard® Small Business Debit Card Easy Savings Rebate Program.

8 Same-Day ACH payments subject to fee. Timing of transfer depends on when the payment is scheduled. See the Deposit Account Agreement for cut-off times and more information.
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9 Connect your North One Business Checking Account to instant transfer features from third party providers, where funds can typically be available in seconds. Please consult their respective terms and conditions for details on any third party fees or possible delays.

10 The North One Account is not a checking account. You can send pre-authorized checks, subject to a fee. See the Deposit Account Agreement for more information.

11 See Deposit Account Agreement for details on mobile check deposit.