Terms:

1.   Spend is the total monthly Accrew Card transaction amount for all transactions occurring in a calendar month less all transactions that have been successfully disputed, refunded, or reversed during a calendar month or prior month. Transactions do not include any ATM withdrawals or deposits.

2.   +1UP is the first tier, when you spend over $400 on an Accrew card in a calendar month, you will receive 30% of profit-shares. 

3.   +2UP is the second tier, when you spend over $800 on an Accrew card in a calendar month, you will receive 60% of profit-shares. 

4. Boosted status is when you have a 1UP or 2UP status and have successfully invited 1 or more new members to Accrew. For every successful invite, you will receive 40% of profit-shares from the average user (total Accrew users’ spend / total number of Accrew users).

5.   Successful Invite is defined as a new member who receives an invite link, signs up to become an Accrew member, and spends at least $400 on their Accrew cards during their lifetime membership. Terms on a successful invite may change based on profitability and users will be notified of any changes 30 days in advance.

6.   Profit-Shares are based on 0.35% of users’ total transaction amount on Accrew cards and may vary from year to year ranging from 0.35% to 0.50% based on Accrew’s profitability and users will be notified of any changes 30 days in advance.

7.   Estimated Values may vary based on the rate of users redeeming Profit-Shares/Points and the growth of Accrew. The Estimated Values calculated above assumes 70% of users will redeem their Profit-Shares/Points for cash along with Accrew reaching 25,000 users in year 2, 100,000 users in year 3, and 500,000 users in a year 4.

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Disclaimer: The owner rewards calculator and chart projections are not a guarantee of future results. Members of Accrew should not assume identical results and may differ due to many factors, including but not limited to the timing of member initiation, member spending, number of successful invites, the timing of withdrawals, redemption rate of Accrew's Profit-Shares/Points for cash, the actual number of Accrew users, and profitability of Accrew. Profit-Shares/Points are not deposits of any bank, are not guaranteed by any bank, are not insured by FDIC or any other agency, and involve risks, including loss of value for profit-shares/points received.

Accrew is very forgiving with fees, however, if a member is negligent in generating substantial fees for the banking community, Accrew will charge a fee to recoup the losses for the community.

Accrew charges no monthly or service fees, no minimum balance fees, no transaction fees, no sign-up fees, and no card replacement fees.

Accrew charges an out-of-network ATM fee of $2.50 along with once-a-year forgiveness for ACH Returns/NSF/Stop Check with a $15 fee for every occurrence thereafter. Lastly, Accrew charges a $35 return check fee and a cross-border fee of $0.30 per transaction and 1.00% of the transaction amount.

Keep in mind, members receive the profits of the company they bank and Accrew wishes to maintain healthy profits for our members.

Accrew forgives one overdraft each year as long as members payback the balance within 30 days. For every occurrence thereafter, the member will be charged $15.

Accrew offers members a Debit Card, with all the same features as other debit cards, allowing members to only spend the available balance in their account. Additionally, members can access the ATM, use ApplePayTM, use GooglePayTM, or spend anywhere Visa is accepted.