Bank will deposit your check in its own account for clearing and collection and is responsible for crediting funds from your check to your Card Account (less applicable fees). You shall endorse, assign and transfer to Bank all checks approved for funding. Ingo Money will verify your identity, enroll you in the service and review your checks for approval. You may use the Ingo service in the Western Union NetSpend Prepaid Mobile Banking app to submit checks to Bank for credit to your Card Account, following Ingo Money’s review of your check for funding approval. In that event, you will be provided with the terms and conditions applicable to that service. Pricing, terms and conditions may differ if you use the Ingo service through any app other than the Western Union NetSpend Prepaid Mobile Banking app. These terms are for use of Ingo through the Western Union NetSpend Prepaid Mobile Banking app. In order to participate in Ingo, you must be eligible for and comply with the Ingo enrollment process. Generally the term “Ingo” means the Mobile Check Load Service and “we,” “us” or “our” means Bank and Ingo Money, although some obligations will be performed solely by Bank or solely by Ingo Money. In these Terms and Conditions, “You” and “your” means the Primary Cardholder who has enrolled in Ingo. Capitalized terms have the same meaning as given in the Cardholder Agreement unless otherwise specified herein. The Cardholder Agreement also applies to your use of Ingo, INCLUDING THE PROVISION WHICH PROVIDES FOR BINDING ARBITRATION, but if there is any difference between the Cardholder Agreement and these Terms and Conditions, these Terms and Conditions control with respect to Ingo. You may do so by contacting 1-80 or by visiting These Terms and Conditions apply to Ingo and supplement the Western Union NetSpend Prepaid MasterCard Agreement governing your use of the Card Account (the “Cardholder Agreement”). You must activate and register your Card Account with NetSpend Corporation (“NetSpend”) before you can use Ingo. In order to use Ingo, you must have an active Card Account that is (i) issued in your name, (ii) active, and (iii) eligible to be credited using Ingo. (“Bank”), a nationally chartered financial institution, and Ingo Money, Inc. Ingo is offered by First Century Bank, N.A. These Terms and Conditions (“Terms and Conditions”) govern your use of the Mobile Check Load service (“Ingo”) to credit funds from checks to your Western Union® NetSpend® Prepaid MasterCard® (“Card Account”).
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