Eligibility Requirements
In order to qualify for earning 1% cash back on North One Mastercard® Small Business Debit Card (“Card”) transactions for Accounts on a Plus Plan from April 2, 2025, through August 2, 2025, Accounts must remain in open and in good standing throughout the promotion. NOTE: ATM withdrawals and transaction returns are not eligible for cash back. Any cash back payments made on transactions that are returned or disputed may be reversed at our sole discretion.
Calculation and Payment
We will pay cash back to eligible Accounts on the first calendar day of each month, and only in whole cents, any fractional amount less than half of one cent will be rounded down and any fractional amount of cash back equal to half of one cent or more will be rounded up to the next whole cent. North One reserves the right to reverse a given transaction’s cash back payment if it determines in its sole discretion that the eligibility requirements were not met for that transaction, including but not limited to a card transaction reversal after the cash back payment has been applied to the Account.
Subscription Update/Cancellation
If an Account is closed before cash back has been credited to Account, no cash back for the pending transactions will be paid. If an Account is suspended, cash back will be paid out during the next payment cycle following the conclusion of the investigation, if the Account is determined to be in good standing. If a customer upgrades their Account from Standard to Plus during an Eligibility Period, then the customer will earn cash back on purchases for transactions that take place after the Account has been upgraded. If a customer downgrades their Account from Plus to Standard, then the customer will still earn cash back on qualifying purchases for the period the Account was on the Plus plan. Customers that upgrade to the Plus Plan using a Free Plus Trial or Promotional Plus Offer are eligible to earn the increased cash back on Card spend for the duration of their trial.
Plus Plan Terms & Conditions
These terms are a binding supplement to the North One Business Account Agreement. Any capitalized terms not otherwise defined herein will have the same meaning as those defined in the Account Agreement. Upon enrollment in the Plus Plan, customers agree to be bound by these North One Cash Back Terms.
Terms & Conditions Changes
The cash back payable on North One Accounts with active Plus subscriptions and the methods used to calculate amounts are subject to change from time to time. We may at our discretion change these Cash Back Terms, or any aspect of the promotion that is not material, without notice or liability to customers. Customers will be given notice of material changes in accordance with applicable law.
Terms of Cash Back Accrual: Effective 04/02/2025

Banking services provided by The Bancorp Bank, N.A., Member FDIC. The NorthOne Mastercard® Small Business Debit Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Mastercard is accepted.

Disclaimer to be used in marketing content: Customers with an active Plus subscription will receive 1% cash back on card transactions, excluding returns and ATM withdrawals through August 2, 2025. The disclosed cash back percentage is effective as of April 2, 2025. The terms governing the North One Cash Back Promotion may change at any time. Please see your North One Cash Back Promotion Terms & Conditions for details.
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a Connect your North One Business Checking Account to instant transfer features from third party providers, where funds can typically be available in seconds. Please consult their respective terms and conditions for details on any third party fees or possible delays.

b The Annual Percentage Yield ("APY") for your Standard or Plus Plan is variable and may change at any time. 2.50% APY applies to Standard Accounts, and 3.00% APY applies to Plus Accounts on balances of $250,000 or less if eligibility requirements are met, including but not limited to a cumulative monthly card spend of at least $500.00, and if the account balance is greater than $0.00. For Accounts with balances over $250,000 the APY will range from 3.00% to 2.14% for Plus Plans and 2.50% to 1.78% for Standard Plans. The disclosed APY is effective as of December 18, 2024, please see your APY Program Terms & Conditions for details.

c Fees are charged for certain payment services, see the Fee Schedule in the Deposit Account Agreement for details.
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Banking Services provided by The Bancorp Bank, N.A., Member FDIC. The North One Mastercard® Small Business Debit Card is issued by The Bancorp Bank, N.A., Member FDIC pursuant to license by Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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 a copy of your driver’s license or other identifying documents.