Deposit Account Agreement

Please read this document carefully

Table of contents


  • Deposit Agreement and Disclosures

    • Our Agreement

    • Account Basics

    • General Rules Governing Deposit Accounts

    • Using Ahead Visa® Debit Card

  • Electronic Funds Transfer Disclosure and Special Terms and Conditions

  • Fee Schedule

  • Funds Availability Policy



Our Agreement

This agreement outlines the Deposit AccountAgreement (the “Agreement”) related to the non-interest bearing Ahead Demand DepositAccount (the “Account” or “Deposit Account”) available from The Bancorp Bank, Wilmington, Delaware, member of theFederal Deposit Insurance Corporation (“FDIC”), (the “The Bancorp Bank”, the“Bank” or “Issuer”) on behalf of Ahead Financials, LLC, the program partner responsible for managing the Account (“Ahead”). “We”, “our”, and “us” refer to the Bank, our successors, affiliates, or assignees.  “You”, “your”, “Accountholder”and “member” refer to the owner of the Deposit Account.   

To open an Account, visit the Ahead Website(the “Website”) at or download the Ahead mobile banking application (the “App”).  The Account is not designed for business use, and we may close the Account if we determine it is being used for business purposes.  We may refuse to process any transaction(s) that we believe may violate the terms of this Agreement.  

Business DaysOur business days are Monday through Friday, excluding federal holidays (even if we are open).  Any references to “days” found in thisAgreement are calendar days unless indicated otherwise.

Account Basics

Who is Eligible for an Account

Opening an Account

The Account

Account Titling and Ownership

Death or Incapacitation 

Power of Attorney

Our Relationship With You

Privacy Policy

General Rules Governing Deposit Accounts

The Account and your obligations under this Agreement may not be assigned.  We may transfer our rights under this Agreement.  Use of the Account is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.  We do not waive our rights by delaying or failing to exercise them at any time.  If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected.  This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.

Using the Ahead Visa® Debit Card

You will receive an Ahead Visa Debit Card (the “Card”) with your Account.  You acknowledge and agree that the funds accessible through use of the Card are limited to the available funds of your Account.  You can expect to receive the Card approximately 8 to 10 business days after your Account is approved and open. You agree to sign the back of the Card immediately upon receipt.  The expiration date of the Card is identified on the back of the Card.  The Card is the property of the Issuer and must be surrendered upon demand.  The Card is nontransferable, and it may be cancelled, repossessed, or revoked at any time without prior notice subject to applicable law.  


Your Account number and bank routing number can be used for preauthorized direct debits (“ACH Debit(s)”) from merchants, Internet service or other utility service providers (“Merchants”) and for the purpose of initiating direct deposits (“ACH Credits”) to your Account.

Note: The recipient’s name on any direct deposit(s) or ACH Credit(s) we receive must match the name on the Account.  Any direct deposits received in a name other than the name registered to the Account will be returned to the originator.


All fee amounts will be withdrawn from your Account and will be assessed as long as there is a remaining balance in your Account, except where prohibited by law.  Any time your remaining balance is less than the fee amount being assessed, the balance of your Account will be applied to the fee amount resulting in a zero balance on your Account. 

ATM Withdrawal Fee

$2.50 (per withdrawal at Non-Allpoint ATMs)* 

Express Shipping Fee (Replacement Card)

$15.00 per Card when you opt into express shipping of a Replacement Card

Instant Transfer Fee

1.5% (min $0.25, maximum of $15.00) of  the transaction amount

ACH Transfer Fee

Transfers to Eligible Accounts may be subject to fees assessed by the issuer of the Eligible Account

*No charge for Allpoint (in-network) ATM withdrawals. If you use an ATM outside the Allpoint network for any transaction, including a balance inquiry, you may be charged a separate fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only.


Information contained in this section is provided to assist you in understanding our Funds Availability Policy.  All deposits into accounts opened through the Bank are processed at a Bank processing facility.  

We make funds available according to the type of deposit and when the funds are applied or credited to your Account.  Some types of deposits may not be available for immediate use.  When we delay the availability of funds or place a hold on a deposit made to your Account, you may not withdraw those funds, and we will not use them to pay any debits, such as ACH transfers or payments, bill pay transactions or transactions using your Card during the hold period.  We have the right to refuse any deposit.

If final payment is not received on any item you have deposited into your Account, or if any direct deposit, ACH transfer credit is returned to us for any reason, you agree to pay us the amount of the returned item.

This Agreement is effective 07/7/2021.

© 2021 Ahead Financials, LLC. All Rights Reserved.
1750 Broadway, Suite 300, Oakland, CA 94612

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Banking Services provided by The Bancorp Bank, Member FDIC.
The Ahead Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.