1 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 your APY Program Terms & Conditions for details.

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

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

4 North One does not charge a fee for this service, but may reimburse you for third party fees charged. You must contact Support to request reimbursement. Some restrictions apply. See Deposit Account Agreement for details.

5 The retailer that receives your cash will be responsible to transfer the funds for deposit into your North One Account.

6 North One is a financial technology company, not a lender. North One does not issue loans or make credit decisions in connection with loans. North One Lending is powered by Kanmon. All loans are subject to credit approval. Your terms may vary. North One Lending loans are issued by Kanmon, a licensed lender. California Loans are made pursuant to a Department of Financial Protection and Innovation California Lenders Law License. Read more about Kanmon here.

7 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.

8 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.

9 Customers with an active Plus subscription will receive 1% cash back on card transactions, excluding returns and ATM withdrawals through August 2, 2025. The disclosed cash back percentage is effective as of April 2, 2025. The terms governing the North One Cash Back Promotion may change at any time. Please see your North One Cash Back Promotion Terms & Conditions for details.