Dora – Mobile Checking 1.9.22

Dora is a bilingual mobile checking app that provides a range of features tailored for users without the burden of credit checks, monthly fees, or minimum balance requirements. Account setup is straightforward, allowing individuals to open an account using a passport, consular ID, ITIN, or SSN.

The app offers a comprehensive suite of tools designed to assist in money management and financial growth. Users can effortlessly manage their accounts, pay bills, and deposit checks directly from their smartphones. The absence of monthly maintenance fees ensures that customers retain control over their finances.

Key features of the Dora checking account include:

• Account opening available with a passport, consular ID, ITIN, or SSN.
• No credit checks, monthly fees, or minimum balance requirements.
• Bilingual support in Spanish and English.
• A complimentary Visa® debit card.
• Ability to receive and send funds to any U.S. bank account.
• Instant fund transfers between Dora accounts at no cost.
• Access to over 30,000 fee-free ATMs nationwide.
• Cash deposit capabilities at more than 88,000 retail locations.
• Convenient mobile check deposits.
• Early payday feature that allows direct deposits up to two days earlier than usual.
• Bill payment functionality within the app.
• Free personalized financial coaching services.
• Opportunities to transition to a Credit Union account after graduation.

Dora places significant emphasis on security with measures such as:

• Two-factor authentication for enhanced account protection.
• Fingerprint and face ID verification for secure access.
• The ability to instantly freeze and unfreeze your debit card directly within the app.
• Support from five credit unions ensuring robust banking services.

It is important to note that Dora Financial operates as a marketing company rather than a bank. All banking services are provided by USALLIANCE Federal Credit Union, doing business as USALLIANCE Financial. The firm is insured by the NCUA, and the Dora Visa® Debit Card is issued by USALLIANCE Financial in accordance with a license from Visa U.S.A. Inc., usable wherever Visa cards are accepted. For further details regarding your card's issuing credit union, please review the back of your card.

*Service fees may apply. VanillaDirect Pay is facilitated by InComm Financial Services, Inc. (NMLS# 912772), which holds a Money Transmitter license from the New York State Department of Financial Services. Terms and conditions apply.

**The early pay direct deposit benefit is provided by USALLIANCE Financial but is not guaranteed; deposits may occur up to two days prior to your scheduled payment date, depending on the timely receipt and processing of the deposit from your employer or payor. For inquiries regarding payment dates, it is advisable to consult with your employer or payor directly.