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NinjaHoldings Privacy Policy

Talk to Us

855-NINJA-42 (855-646-5242) or email support@ninjacard.com

Monday – Friday

7:30 a.m. – 5:00 p.m. CT

Security

Privacy

Terms and Conditions

NinjaHoldings Privacy Policy

NinjaCard, LLC is a financial technology company, not a bank. Deposit account products and deposit account banking services, including the NinjaCard Visa^® Debit card, are provided by Republic Bank of Chicago, Member FDIC. The Line of Credit services are provided by the Lending Bank listed in your Line of Credit agreement.

NINJACARD^® FLEXLINE™ LENDER. The NinjaCard FlexLine Open-End Line of Credit Agreement (the “LOC Agreement”) will name the FlexLine lender (the “Lending Bank”), which will make the loan decision, communicate that decision to the applicant, and disburse draws to approved applicants. Depending on your state of residence and credit limit, the Lending Bank will be either First Electronic Bank or another lender named in the FlexLine LOC Agreement. NinjaCard, LLC, the program manager for the FlexLine LOC, will service and collect on your FlexLine LOC on behalf of the Lending Bank. Accepted payment methods include ACH—authorized with a signed autopay form—or personal check mailed to the remittance address listed in the FlexLine LOC Agreement. Cash and in-person payments are not accepted. FlexLine may not be available to residents of some states. See disclaimers appearing on the FlexLine application for details.

NINJACARD FLEXLINE DRAWS. If you do not already have or obtain a NinjaCard Visa^® debit card, then the FlexLine lender will disburse draws to any deposit account you choose to link to your FlexLine LOC. If you do already have or obtain a NinjaCard Visa^®debit card, then you may authorize the FlexLine lender to disburse draws to your NinjaCard Deposit Account. Note, however, that your use of the NinjaCard Visa Debit card or any other FlexLine-linked debit card will never automatically initiate a draw, even if the proposed card transaction would exceed the balance of the deposit account to which the card is attached. Instead, you must affirmatively authorize a draw by either logging in to your NinjaCard online account (www.ninjacard.com) or using the NinjaCard mobile application.

NINJACARD DEPOSIT DISCLOSURES. The NinjaCard Visa^® debit card is issued by Republic Bank of Chicago, pursuant to a license from Visa U.S.A. Inc., and may be used everywhere Visa^® debit cards are accepted. If you choose to obtain a NinjaCard Visa Debit card, the debit card will be attached to a NinjaCard checking account. The debit card, NinjaCard checking and savings accounts may be referred to collectively as a “NinjaCard Deposit Account”. Funds deposited to your NinjaCard Deposit Account are insured aggregately up to $250,000 through Republic Bank of Chicago, Member FDIC. NinjaCard, LLC is the program manager for NinjaCard deposit products, acquiring card applicants, processing card applications, and servicing and obtaining deposit accounts on behalf of the Republic Bank of Chicago. Banking services may not be available to residents of some states. See disclaimers appearing on the account application for details.

BELT SYSTEM REWARDS: Rewards eligibility requirements include avoiding any fee delinquency or negative balance in your checking and savings accounts, avoiding any charge delinquency in your optional line-of-credit (LOC), and authorizing the direct deposit of at least $500 of recurring monthly income (e.g., not loan proceeds) to your NinjaCard checking account. Please note: your LOC is provided by the lender named in the LOC agreement, not by Republic Bank of Chicago.

EARLY ACCESS to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.

ANNUAL PERCENTAGE YIELD (“APY”) DISCLOSURES. The Annual Percentage Yield (“APY”) for the NinjaCard^® savings account is variable and may change at any time. The disclosed 0.35% APY is effective as of May 16, 2025. No minimum balance is required. See the Deposit Rate Disclosure for the current APY.

NINJACARD MOBILE APPLICATION. You can manage your NinjaCard services, including FlexLine and NinjaCard Deposit Account, with either the online banking platform, located at www.ninjacard.com, or the NinjaCard mobile application, available on the Apple App Store and Google Play. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

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