Disclosures

mCards is a financial technology company, not a bank. Banking services are provided by licensed banking partners, currently including MVB and TBO Bank, Member FDIC, subject to the partners configured for each live program. Partner relationships may change; always refer to current program disclosures. FDIC insurance coverage protects against the failure of an FDIC insured depository institution. Pass through FDIC insurance coverage is subject to certain conditions. Not every product or balance is FDIC insured.

The mCard Mastercard® Commercial Debit Card is issued by MVB Bank and TBO Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted, subject to merchant and network rules.

The mCards Debit Mastercard is issued by MVB Bank, Inc., Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted.

The mCards Commercial Debit Mastercard is issued by TBO Bank, Inc., Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted.

Neobankify enables organizations to design and configure branded financial experiences and co-branded digital banking programs through software and selected licensed financial partners. Neobankify does not charter banks. Software alone does not make an organization a bank. Banking, card issuance, lending, payments, and crypto services (where offered) are provided by licensed partners. Not every program includes a traditional deposit account. Program structure, product availability, customer eligibility, and regulatory responsibilities vary by market and implementation.

IMPORTANT, Demo & marketplace: This website and Design Studio are product demonstrations. Previews, balances, rates, partner names (other than banking partners named in platform disclosures), networks, insurance statements, launch timelines, and performance metrics are illustrative unless explicitly confirmed for a production program. Marketplace modules marked “simulated” are modeled integrations for configuration and visualization only, they do not indicate a live production connection.

Revenue sharing: Eligible NeoBank programs may participate in revenue-sharing arrangements with approved partners where permitted by contract and applicable law. Nothing on this site guarantees revenue, volume, or partner economics.

Credit products (including loans, BNPL, HELOC, and credit-builder tools, where available) are offered by licensed lending partners. Approval decisions are made by the applicable banking or lending partner based on program eligibility and applicable regulations, not by mCards or Neobankify. Rates and terms are determined solely by participating lenders. Eligibility varies.

Crypto and digital assets (where available): Availability varies by jurisdiction and partner. Digital assets are not FDIC insured and may lose value. Features are subject to regulatory approval and partner availability.

AI tools provide informational assistance only and should not be considered financial, legal, tax, credit, investment, or medical advice.

mCards are money, marketing, and mobile cards that may connect to a member’s broader wallet of eligible accounts and cards where supported. Onboarding data requirements, eligibility, and wallet linking to third-party institutions are subject to program design, partner configuration, and applicable law.