Electronic Signatures in Global and National Commerce Act Disclosure

Contact us with any questions about this agreement.

Last updated: October 8, 2026

This Disclosure covers each and every account, product, or service that Increase Bank (the “Bank” or “we”) offers and that you apply for, own, use, administer, or access, now or in the future (collectively, the “Bank Services”). In order to apply for, establish, or use any of the Bank Services, you must first agree to exclusively receive disclosures, statements, and other communications about the Bank Services (“Communications”) through the Technology Services (as defined in the Increase Technology Service Terms), or through a third-party platform through which you access the Bank Services, if applicable (a “Platform”). Before we provide you with a particular Bank Service, you must also agree to the agreement that governs such service, such as the Increase Bank Account Agreement (each, a “Bank Agreement”). We can only give you the benefits of the Bank Services by conducting business through the internet, and by agreeing to this Disclosure, you consent to receiving Communications electronically on an exclusive basis. If you do not wish to receive electronic delivery of your documents or do not wish to electronically sign documents, we will not provide you with any Bank Services. All electronic Communications that we provide to you will be provided by any of the following means:

  • By electronic or email transmission to your designated email address, or
  • By electronic or email transmission with a hyperlink to the Increase website or other website where information is posted.

This Disclosure informs you of your rights when receiving electronic Communications from the Bank. You agree that electronic Communications shall be considered “in writing” and have the same meaning and effect as if they were provided in paper form, unless you have withdrawn your consent to receive Communications electronically as stated in the applicable Bank Agreement.

You agree that the Bank has no obligation to provide you Communications in paper format, although the Bank may choose to do so at any time.

You understand that, in order to view and retain copies of electronic Communications, you will need either:

  • A computer with access to the internet and a web browser that is currently being supported by its publisher and that has cookies enabled; or
  • A mobile device with access to the internet and the most recent device operating system and the most recent versions of Apple Safari or Google Chrome on iOS or Google Chrome for Android OS.

If there is a substantial change in these requirements, you will be notified of the requirement changes accordingly.

You will also need a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them.

It is your responsibility to keep your email address updated so that we can communicate with you electronically. You can update your contact information through the Dashboard, as defined in the Increase Technology Service Terms, or by emailing support@increase.com. If you are accessing the Increase Services through a Platform, you may also update your contact information by notifying the Platform. You are responsible for ensuring your contact information is current and accurate.

You may withdraw your consent to receive Communications electronically by notifying the Bank. If you withdraw your consent, the Bank will close any accounts you have with the Bank and return any remaining funds to you.

Banking products and services are offered by Increase Bank, Grasshopper Bank, N.A., First Internet Bank of Indiana, or Core Bank (each, a Member FDIC bank and a “Partner Bank”).

Technology services are provided by Increase Technologies, Inc., a non-bank.

Where applicable, Visa® cards are issued by the applicable Partner Bank pursuant to a license from Visa U.S.A. Inc.

Eligible deposits held at a Partner Bank are insured by the FDIC up to the standard maximum deposit insurance amount. FDIC insurance protects against the failure of an insured bank only.