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About Valence

This section contains information about Valence and how to join

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What is Valence?

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¹Greenwood is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Deposits are insured up to $250,000 per depositor. The Greenwood Debit Card is issued by Coastal Community Bank pursuant to a license by Mastercard^® International.

²When you choose to add to your Greenwood Debit Card to the Greenwood Gives Back Program, you are given the choice to donate the change to either the National Association for the Advancement of Colored People (NAACP), United Negro College Fund (UNCF). For every person that opts into the Program, we round up the amount of Greenwood Debit Card transactions made using your Greenwood Debit Card feature in your Greenwood Spending Account to the next whole dollar amount (from $0.01 to $0.99), and transfer the amount in excess of the purchase price to a Greenwood Gives Back Service Account. Even dollar transactions ($xx.00) are not considered qualifying transactions and are not eligible to be rounded up for this Service. Greenwood then aggregates all dollars in the Greenwood Gives Back Savings Account and makes one contribution to the non-profit selected in the sign-up period.

³Direct Deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period.

⁴MasterCard's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by MasterCard. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

⁵The Annual Percentage Yield (APY) for savings accounts through Greenwood is variable and is subject to change at any time. The disclosed APY is effective as of May 22, 2023. An account must have $0.01 in savings to earn interest.

⁶Check deposits received after 5PM ET on a business day (excluding weekends and bank holidays) will be processed the next business day. Funds are generally made available within 4 business days after the deposit is approved. All deposits are subject to review and acceptance is not guaranteed.
To prevent delays in the processing of your check, please check the following:

• Your name should be in the “Pay To The Order Of” field
• Check is drawn on a financial institution in the United States
• Check is dated within the last six (6) months
• Write “For Greenwood Mobile Deposit Only” under your endorsement

⁷Out-of-network ATM withdrawal fees apply. Greenwood will charge an ATM Withdrawal Fee of $2.50, in addition to any fees charged by the ATM operator. Please refer to account terms and conditions.

The Elevate membership is $200 per month. Opening an account through Greenwood is optional. Travel, spend and experiences benefits are only available with the Greenwood account and Elevate Debit Card.

All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.

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