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Disclosure Library

Apex Annual Disclosure Statement
Apex Customer Agreement
Apex FDIC Sweep Program Terms and Conditions
Apex Roth IRA Custodial Agreement
Apex Safety of Customer Assets
Apex Statement of Financial condition
Apex Traditional IRA Custodial Agreement
Bill Pay Terms and Conditions
ClickSWITCH Terms of Use
Green Dot Bank Deposit Account Agreement
Green Dot Bank Electronic Communications Agreement
Green Dot Bank Privacy Policy
Ongoing Promotion Terms and Conditions
Payment Terms and Conditions
SMS Fee Waiver Offer
Stash Stock-Back^™ Rewards Terms and Conditions
Stock-Back Rewards Bonuses Terms and Conditions
Stash Advisory Agreement
Stash Cash Back Program
Stash ESIGN Agreement
Stash Form ADV Part 2
Stash General Disclosures
Stash Investing Disclosures
Stash It Forward Program Solicitation Agreement
Stash It Forward Program Solicitation Disclosure Statement
Stash Privacy Policy
Stash Privacy Notice
Stash Investments LLC & Stash Capital LLC Form CRS
Stash Investments LLC & Stash Capital LLC Form CRS Conversation Starters
Stash Terms of Use
Tier 3 Platform Tier Service - Supplemental Terms
Thomson Reuters (Refinitiv) Disclosures

Please contact support@stash.com if you have any questions about the important documents above.

Last updated: September 1, 2020

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In order for a user to be eligible for a Stash Banking account, they must also have opened a taxable brokerage account on Stash.

¹ Other fees apply to the debit account. Please see Deposit Account Agreement for details.

² Account opening of the debit account is subject to Green Dot Bank approval.

³ In order to earn stock in the program, the Stash Banking card must be used to make a qualifying purchase. If publicly-traded stock of the merchant (or a subsidiary thereof, if applicable) is not available or otherwise capable of being fulfilled for any reason, the stock reward arising from a qualifying transaction will be in an ETF available on the Stash Platform. Stash reserves the right to amend this program and the terms and conditions thereof and/or cancel this program at any time, for any reason, upon notice to you. See Terms and Conditions for more details.

Stock rewards that are paid to participating customers via the Stash Stock-Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

Stash Stock-Back® is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned by this program.

⁴ Early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period.

⁵ Transaction is declined and no fee is charged.

⁶Other fees may apply. Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the owner or bank may charge.

⁷ Debit Insights provided by Stash Investments LLC.

⁸ The recurring transfers feature is offered by Stash Investments LLC and is not sponsored or endorsed by Green Dot Bank.

⁹ The adult (or Custodian) who opens the account can manage the money and investments until the minor reaches the “age of majority.” That age is usually 18 or 21, depending on the Custodian’s state. The money in a custodial account is the property of the minor. Money in a custodial account can be used by the parent or legal guardian, but only to do things that benefit the child.

¹⁰ Neither Green Dot Bank nor Stash offers overdraft services.

The average amount of overdraft fees that Stash Banking users paid is derived from users’ transactions analyzed through the Quovo service. The data was obtained from linked checking accounts using Quovo. Average fee calculation is based on a lookback of users’ bank account transactions from October 28, 2019 through November 6, 2019 for the following types of fees: Overdraft Fees, as categorized by Quovo. The number of purchases blocked due to insufficient funds is based on a lookback from October 3, 2018 through November 6, 2019.

¹¹ You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian.

¹² Promotion subject to Terms & Conditions. Limit one cash reward per user under this Promotion. Promotion cannot be combined with certain other promotions. See Terms & Conditions for more information regarding eligibility. Promotion is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any reward earned through this promotion.

¹³ Money moved into a partition must be moved back to available balance to be used and does not earn interest.

*The Monthly Wrap Fee starts at $1.00 and you’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash. For current fee schedule, please see the Stash Wrap Fee Brochure.

**“Set Aside” is defined as complete incoming transfers from external funding sources to Stash Invest across all account types including the debit account since 9/11/2015. This value does not factor in withdrawals.

For securities priced over $1,000, purchase of fractional shares start at $0.05.

Bank Account Services provided by Green Dot Bank and Stash Visa Debit card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of the registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Your debit account is insured to the regulatory limits by the Federal Deposit Insurance Corporation (FDIC). Green Dot is a registered trademark of Green Dot Corporation. ©2020 Green Dot Bank. All rights reserved.

Investment products and services are not offered by Green Dot Bank and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.

This material is for informational purposes only and is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value.

Stash Investments LLC ('Stash') is an SEC registered investment adviser. By using this website, you accept our Terms of Use and Privacy Policy. Stash’s investment advisory services are available only to residents of the United States in jurisdictions where Stash is registered. In order to open a Stash account, you must be at least 18 years of age. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website does not constitute a complete description of Stash’s investment advisory services. View a full list of available investments on Stash. Stash does not provide financial planning services to individual investors. Before investing, consider your investment objectives and Stash’s fees and applicable custodial fees. Stash Financial, Inc. is a digital financial services company offering financial products for U.S. based consumers. Stash is not a bank or depository institution licensed in any jurisdiction. Advisory products and services are offered through Stash Investments LLC. Stash Capital LLC, an SEC registered broker-dealer and member FINRA/SIPC, serves as introducing broker for Stash Clients’ advisory accounts. FINRA BrokerCheck reports for Apex Clearing are available at http://www.finra.org/brokercheck. Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC, provides clearing and execution services and serves as qualified custodian for advisory assets of Stash Clients. Products offered by Stash Investments LLC and Stash Capital LLC are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Market data by Thomson Reuters (Refinitiv). For more information, see our disclosures. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Email: support@stash.com Tel: (800) 205-5164

Information provided by Stash Support is for informational and general educational purposes only and is not investment or financial advice.

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Apple, the Apple logo, and iphone are trademarks of Apple, Inc., registered in the U.S.

STASH and StashInvest are registered trademarks of Stash Financial, Inc.

© Copyright 2020 Stash Financial, Inc. All rights reserved.