Internet Banking Agreement and Disclosure

This Internet Banking Agreement and Disclosure ("the Agreement") explains the terms and conditions governing the basic internet banking services offered by NinjaCard® . All internet banking services of any kind whatsoever offered or afforded by NinjaCard® (including, but not limited to funds transfers and ACH transactions) will be referred to collectively as "Internet Banking Services" in the Agreement. By using any of the Internet Banking Services, you agree to abide by the terms and conditions of this Agreement or are authorized to use any account at NinjaCard® . The term "Business day" means all days except Saturday, Sunday, and all banking holidays

All Internet Banking Services are governed by this Agreement, all applicable federal regulatory disclosures, and the Deposit Account Terms and Conditions. All applicable fee schedules published by NinjaCard® from time to time will apply to the Internet Banking Services. You are responsible for the payment of any fees incurred by you on any account, for any service, at any time. You agree to pay all such fees when accessing Internet Banking Services.

Your initial use of any Internet Banking Services in connection with your account at NinjaCard® constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and of the Deposit Account Terms and Conditions. Such initial use acknowledges your receipt and understanding of this Agreement and Deposit Account Terms and Conditions.

You agree that NinjaCard® may, as permitted by law, provide all applicable disclosures to you electronically. You are responsible for downloading or printing the disclosures or providing NinjaCard® with a non-electronic address to which the disclosures may be mailed.

NinjaCard® is entitled to act upon instructions received through any Internet Banking Service under your PIN and without inquiring into the identity of the person using that PIN. However, you agree that You will not, under any circumstances, disclose your PIN by telephone or any other means to any person. You acknowledge that no person from NinjaCard® will ever ask for your PIN and that NinjaCard® employees do not need and should not ask for your PIN. You agree never to provide your PIN to anyone, including anyone claiming to represent NinjaCard® . You are liable for all transactions made or authorized using your PIN. NinjaCard has no responsibility for establishing the identity of any person or determining the validity of any transaction.

You agree that if you give your PIN to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone with your PIN will have access to your accounts. You agree to notify NinjaCard® immediately in the event your PIN is lost or stolen or is otherwise compromised. At any time, you may ask NinjaCard® to disable your PIN.

You hereby indemnify and release NinjaCard® from any and all liability and agree not to make any claim against NinjaCard® or bring any action against NinjaCard® honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account or when you have provided your PIN to that person. You agree to reimburse NinjaCard® for any losses it suffers or any damages, injuries, costs, or expenses it incurs (including attorney's fees) as a result of NinjaCard® 's honoring or allowing transactions on the account where the PIN was used.

The limitations of liability set forth in this Agreement are subject to and limited by any state or federal law to the contrary.

NinjaCard® has the right to modify or terminate this Agreement or the Deposit Account Terms and Conditions at any time. When making changes, NinjaCard® will comply with all legal notice requirements. Once this Agreement is terminated, NinjaCard® will not allow any additional transactions on the account, nor will additional Internet Banking Services be permitted. If this Agreement is modified, your continued use of the Account will represent your acceptance of the changes.

Rev 12/2022

DOWNLOAD THE APP
Apple AppGoogle App
About NinjaCard®
NinjaCard is a full-service financial solution designed to meet your banking and borrowing needs. NinjaCard features a checking account accessed by your Visa® debit card, and a savings account that can earn interest. These banking services are provided by Republic Bank of Chicago, Member FDIC. Additionally, you can draw funds from a Flexline line of credit (the LOC), borrowing only what you need and depositing those funds directly to your checking account. Because you manage all of these accounts in one place— the secure NinjaCard Online Banking accessed via our website (www.ninjacard.com) or mobile application — our Online Banking often uses the singular term “account” to refer to all your NinjaCard accounts. In addition to managing your finances in one place, the NinjaCard offers a rewards program that encourages you to keep all your accounts in good standing. If you meet these rewards conditions, cash is deposited to your savings account. With the NinjaCard Flexline, you can borrow only what you need, make payments with a billing cycle tailored to your regular income interval, and reborrow as many times as you want up to your credit limit.  To authorize a Flexline draw, simply login to your NinjaCard online account (www.ninjacard.com) or use the NinjaCard mobile application.  The Flexline lender will disburse the draw to your NinjaCard checking account or to any other deposit account you choose to link to your Flexline.
Talk to Us855-NINJA-42 (855-646-5242) or email support@ninjacard.com
© 2025 NinjaCard, LLC. All Rights Reserved.
NinjaCard® Privacy PolicyCA Residents: Do Not Sell My Personal InformationDeposit Rate Disclosure
Online Banking Terms and ConditionsDeposit Account Terms & ConditionsTerms & Conditions
Fee ScheduleFCRA ConsentSecurity
NinjaCard, LLC is a financial technology company, not a bank. Banking services provided by Republic Bank of Chicago, Member FDIC. The Line of Credit services provided by the Lending Bank listed in your Line of Credit agreement.

*NINJACARD® FLEXLINE™ LENDER. The NinjaCard Flexline agreement will name the Flexline lender, which will make the loan decision, communicate that decision to the applicant, and disburse draws to approved applicants.  Depending on your state of residence and credit limit, the Flexline lender will be named in the Flexline agreement.  NinjaCard, LLC, the program manager for Flexline, will service and collect your Flexline on behalf of the lender.  Accepted payment methods include ACH—authorized with a signed autopay form—or personal check, money order, or cashier’s check—mailed to the remittance address listed in the Flexline agreement.  Cash and in-person payments are not accepted.  Flexline may not be available to residents of some states.  See disclaimers appearing on the Flexline application for details.

**NINJACARD FLEXLINE DRAWS. You may be eligible for a NinjaCard Flexline whether or not you obtain a NinjaCard Visa® Debit card.  If you do not obtain a NinjaCard Visa Debit card, then the Flexline lender will disburse draws to any U.S.-domiciled deposit account you choose to link to your Flexline.  If you do obtain a NinjaCard Visa Debit card and deposit account, then you may authorize the Flexline lender to disburse draws to your NinjaCard checking account.  Note, however, that your use of the NinjaCard Visa Debit card or any other Flexline-linked debit card will never automatically initiate a draw, even if the proposed card transaction would exceed the balance of the deposit account to which the card is attached.  Instead, you must affirmatively authorize a draw by either logging in to your NinjaCard online account (http://www.ninjacard.com ) or using the NinjaCard mobile application.

†NINJACARD DEPOSIT DISCLOSURES. The NinjaCard Visa® Debit card is issued by Republic Bank of Chicago, pursuant to a license from Visa U.S.A. Inc., and may be used everywhere Visa® debit cards are accepted.  If you choose to obtain a NinjaCard Visa Debit Card, the card will be attached to a NinjaCard checking account.  The debit card, NinjaCard checking and savings accounts may be referred to collectively as “NinjaCard”. Funds deposited to your NinjaCard checking and savings accounts are insured aggregately up to $250,000 through Republic Bank of Chicago, Member FDIC.  NinjaCard, LLC is the program manager for NinjaCard deposit products, acquiring card applicants, processing card applications, and servicing and obtaining deposit accounts on behalf of the Republic Bank of Chicago.  Banking services may not be available to residents of some states.  See disclaimers appearing on the account application for details.

††SAVINGS REWARDS: Eligible customers will receive a $10 monthly reward deposited to their NinjaCard Savings Account. Rewards eligibility requirements include avoiding any fee delinquency or negative balance in your checking and savings accounts, avoiding any charge delinquency in your optional line-of-credit (LOC), and authorizing the direct deposit of at least $500 of recurring monthly income (e.g., not loan proceeds) to your checking account. Please note: your LOC is provided by the lender named in the LOC agreement, not by Republic Bank of Chicago.

‡EARLY ACCESS to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.

‡‡THE ANNUAL PERCENTAGE YIELD (“APY”) for the NinjaCard® Savings account is variable and may change at any time. The disclosed 0.35% APY is effective as of June 20, 2024. No minimum balance is required. See the Deposit Rate Disclosure for the current APY.

NINJACARD MOBILE APPLICATION.  You can manage your NinjaCard services, including Flexline and NinjaCard Checking and Savings, with either the online banking platform, located at http://www.ninjacard.com , or the NinjaCard mobile application, available on the Apple App Store and Google Play.  Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.  App Store is a service mark of Apple Inc., registered in the U.S. and other countries.  App Store is a service mark of Apple Inc.  Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

NOTICE OF FURNISHING NEGATIVE INFORMATION.  We may report information about your NinjaCard Flexline account to credit bureaus.  Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.  To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.