elroy - Your Money, Your Way 4+

No Fees, No Minimums, Just Freedom!

Key Features:
- No Credit Check: Open an account freely.
- No Hidden Fees: Transparency in every transaction.
- No Minimum Balance: Keep as much or as little as you need.
- No Foreign Transaction Fees: Affordable global spending.

Elroy: Your Comprehensive Banking Solution
Join Elroy and experience banking without borders. Whether you have an SSN or ITIN or not, Elroy welcomes you to a world of accessible, efficient, and rewarding banking.

What’s Included?
- Cash Account: No minimum deposit, fully transparent.
- Free Elroy Mastercard Debit Card: Make purchases anywhere, anytime.
- Elroy Pay: Instant peer-to-peer transactions within the Elroy network.
- High-Yield Savings: Earn more on your savings.
- Fee-Free Money Transfers to Mexico: Send money effortlessly with Elroy Global.
- Cash Deposits: Add cash to your account at over 90,000 locations.
- Discounted Money Transfers, Calling, and Mobile Top-Up: Use your Elroy Mastercard in our BOSS Revolution® or BOSS Money apps to send to 50+ countries at discounted rates.
- Cashback Rewards: Earn as you spend at various merchants.
- Multilingual Support: Banking in your language, including Spanish.
- Advanced Security: Keep your funds safe with top-notch anti-fraud protection.

Elroy’s Banking Features:
- Easy Account Opening: FDIC-insured cash accounts with no SSN required.
- No Overdraft or Foreign Transaction Fees: Spend without worries.
- Early Direct Deposit: Get your paycheck up to 2 days earlier.
- Access to a Vast ATM Network: Withdraw cash at 55,000+ fee-free ATMs.

International Money Transfers Made Easy:
With Elroy, enjoy fast, secure, and fee-free transfers to Mexico. Other countries coming soon.

Disclosures:
IDT Payment Services, Inc. DBA elroy (formerly Wallet by BOSS Money) is a financial technology company, not a bank. Elroy Cash Account and Debit card are provided by Evolve Bank and Trust, Member FDIC. Your deposits are FDIC insured up to $250,000 through Evolve Bank and Trust. The elroy Mastercard® Debit Card is issued by Evolve Bank and Trust, Member FDIC, pursuant to a license from Mastercard®. See your applicable cardholder agreement for details.

Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, “Synapse”). Synapse is not a bank and is not affiliated with Elroy. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse’s Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks.

Money transfer services are provided by IDT Payment Services, Inc., a licensed money transmitter (NMLS 935577, MA FT935577), or IDT Payment Services of New York LLC, licensed as a Money Transmitter by the New York State Department of Financial Services. 520 Broad Street, Newark, NJ 07102