* Banking services provided by First Pryority Bank, Member FDIC. Totem is a financial technology company, not a bank. The Totem card is issued by First Pryority Bank pursuant to a license by Visa.

** Fee-free withdrawals at any Allpoint ATM. Out-of-network ATM fees may apply.

*** Retail service fee of up to $4.95 applies. Deposit and card balance limits apply. Active personalized card required. Keep your receipt as proof of your deposit. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.

**** Early access to direct deposit funds depends on the timing of the submission of the payment from the payer and is available to those who set up direct deposit with Totem. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.

⁵ Payment funds are transferred through a First Pryority Bank proxy account to Totem account holders. This transfer may be delivered on the same day with no holds or waiting periods.