Zivo: Cash Advance

Short before payday? Zivo gives you access to wages you've already earned — in minutes. It's your money early, not a loan: no interest, no APR, no late fees, no credit check. HOW IT WORKS • Create your account with your phone number and verify your identity • Link the bank account where your paycheck lands (read-only, via Plaid) • Get approved for a Zivo membership and see your available advance • Choose an amount and speed, review the fee and the date it comes out of your paycheck, confirm • Your advance comes out of your next paycheck automatically ZIVOADVANCE™ • $25–$150 based on your earned wages and pay cycle • Standard or Instant delivery • One Access Fee, disclosed in dollars up front — fixed once you confirm, nothing accrues • Live Activity on your Lock Screen while your advance is on its way INSIGHTS • See income, spending pace, recurring charges and bank fees • Know how far your money goes until payday YOUR ACCOUNT, YOUR CONTROL • English and Spanish • Face ID unlock • Cancel membership or delete your account any time from the You tab Zivo: Cash Advance is operated by Rise Digital Financial Corp, a financial technology company, not a bank. Earned wage access is not a loan or credit. Membership approval and eligibility required; available in the United States only. Fees and terms: zivoneobank.com/disclosures Terms: zivoneobank.com/terms · Privacy: zivoneobank.com/privacy Support: zivoneobank.com/support · support@zivoneobank.com