The Aligned Company d/b/a Extra (“Extra”) is a technology company, not a bank. The Extra
Debit Card is issued by Evolve Bank & Trust or Patriot Bank, N.A. (Member FDIC), pursuant to
a license from Mastercard International. Loans provided by Lead Bank. This Card can be used
everywhere Debit Mastercard is accepted.
1Extra is responsible for credit reporting and reports on time and late payments,
which may impact a credit bureau’s determination of your credit score. Credit scores are
independently determined by credit bureaus based on a number of factors, including your
other financial transactions. Extra reports to Experian® and Equifax®. The Extra Debit Card
and related services will not remove negative credit history from your credit report.
Rewards points only available with rewards plan. Membership fees apply. Please refer to our
Terms of Service and
Cardholder Agreement for
2To transact with your Extra Debit Card, you must have an active,
Plaid-compatible bank account linked to Extra’s services (“Partner Account”). If your
Partner Account is disconnected from Extra services for any reason, you will not be able to
use your Extra Debit Card. Within 30 days of the date of each transaction made using your
Extra Debit Card, Extra will initiate one or more ACH debits to deduct equivalent funds from
your Partner Account. These ACH debits typically deduct funds from your Partner Account
within 2 to 3 business days after initiation by Extra.
3Data based on a study of active Extra customers with good credit habits.
Individual results may vary. To learn more, please see the full study at