Omni® Terms of Service

Last Updated: February 19, 2026

Welcome to Omni®

These Terms of Service (“Terms”) are a binding agreement between you and CashRepublic Financial LLC, Omni Financial of Nevada, Inc.,   and CBW Bank, Member FDIC  (collectively “we”, “us,”, or “our”), to provide you with the Omni® App and the Omni® Debit Card (the “Card”).

CashRepublic Financial LLC acts as the program manager, Omni Financial of Nevada, Inc. is an affiliated entity offering loan products and related services, and CBW Bank is the issuer of the Omni® Debit Card and holder of the deposit account.

Definitions

For purposes of these Terms:

“We,” “us,” or “our” means CashRepublic Financial LLC, Omni Financial of Nevada, Inc., and CBW Bank, Member FDIC, collectively.

“CashRepublic” means CashRepublic Financial LLC, the program manager responsible for operating the Omni® App and servicing functions.

“Omni Financial” means Omni Financia lof Nevada, Inc., an affiliated entity that may offer loan products or related financial services.

“Bank” means CBW Bank, Member FDIC, the issuer of the Omni® Debit Card and holder of the deposit account.

Your Card may be used to access funds in your designated account for purchases, ATM withdrawals, and other authorized transactions.

By enrolling, downloading, or using the Omni® App, or by activating or using your Omni® Debit Card, you agree to these Terms. Please read them carefully.

The Card is valid until the expiration date printed on it. Renewal is subject to account status and issuer discretion.

We are proud to serve active duty service members, career retirees, veterans, DoD employees. Omni® is designed to be simple, transparent, and military-friendly.

1. Eligibility & Registration

– You must be at least 18 years old.

– You must reside in the U.S. or have a valid APO, FPO, or DPO address.

– To open an account, we must verify your identity  as required by the USA PATRIOT Act and applicable “Know Your Customer” (KYC) laws.

– You agree to provide accurate, complete information and to update us promptly if your name, address, phone number, or email changes.

2. Electronic Disclosures & Communications (E-SIGN Consent)

Omni® is an electronic-only service. That means:

By agreeing to this disclosure, you consent to receive all communications, disclosures, notices, and other documents (“Electronic Records”) from us, including CashRepublic Financial LLC, Omni Financial of Nevada, Inc., and CBW Bank  electronically, rather than in paper form. To access and retain Electronic Records, you must have:

• A device (computer, tablet, or smartphone) with internet access
• A current web browser (e.g., Chrome, Safari, Edge, Firefox)
• Software capable of viewing PDF documents (such as Adobe Reader)
• An active email account

If these requirements change, we will notify you and provide the opportunity to withdraw your consent.

By clicking “I Agree” below, you confirm that:

• You have the necessary hardware and software to access and retain Electronic Records
• You are able to receive emails and open PDF attachments
• You consent to receive Electronic Records from CashRepublic Financial LLC

You have the right to receive paper documents of electronic records we send you but if you exercise this right we will terminate our agreement with you.

[ ] I Agree to receive electronic records and confirm I meet the system requirements.

– All legal notices, account agreements, updates, and statements are delivered electronically through the Omni® App or email.

– When we ship you a debit card, you’ll receive a QR code or web link to these disclosures.

By using Omni®, you consent to receive all communications electronically. If you revoke consent, we may close your account.

3. Using the Omni® App

– The Omni® App is your primary way to manage your account and Card.

– You can check balances, see transaction history, manage deposits, and set up alerts.

– You are responsible for keeping your device secure and not sharing your login credentials.

– We may add, update, or remove features at any time, but we’ll keep you informed when changes matter to you.

4. Your Responsibilities

You play a key role in keeping your account safe:

– Notify us immediately if your information changes.

– Track your balance through the App. Your balance may not reflect pending transactions.

– Protect your login and Card information. Never share your credentials with anyone.

– Prohibited uses include fraud, illegal activity, abusive or discriminatory behavior, and transactions that go against Mastercard or banking rules.

If we believe your account is being misused, we may suspend or close it.

5. Fees

Omni® is designed to keep fees simple, transparent, and easy to understand.  The fees associated with your Omni® Debit Card and deposit account are listed below. There are no hidden or surprise fees.

Omni® Debit Card Fee Schedule

Important Fee Disclosures

• Overdrafts are not permitted; however, a negative balance may occur due to transaction timing, adjustments, or reversals.
• Any negative balance will be deducted automatically from future deposits.
• ATM operators may impose additional fees for out-of-network withdrawals; those fees are not controlled by us.
• Fees may change in the future as permitted by law. If a fee changes, we will notify you in advance as required by applicable law.

6. Benefits & Features

With your Omni® Debit Card, you get:

– Get paid up to 5 days early with eligible direct deposit (DFAS, VA, SSA, and other payors).

> Early access depends on when we receive payment instructions, processing timelines, and fraud screening. Early access to your wages is not guaranteed.  Timing of funding may vary, early access to direct deposit funds is not guaranteed and may vary with each deposit.  Eligible ACH direct deposits, including certain federal government payments such as Defense Finance Accounting Service (DFAS), Social Security benefits, and Veterans’ benefits, may be made available up to five (5) days before the scheduled payment date.  Early pay availability depends on the timing of Omni receiving the payor’s payment instructions, internal processing timelines, and fraud prevention screening.

– No overdraft fees — overdrafts are not permitted however negative balances may occur.

A negative balance fee of $15.0 will be charged for any negative balance, and any negative balance will be resolved against future deposit(s) received.

– No hidden fees — clear, upfront, and military-friendly.

– APO/FPO/DPO support — Omni® is built with service members overseas in mind.

See Appendix D of the Deposit Account Agreement for the full Benefits & Features table.

7. Third-Party Services

Omni® partners with trusted third-party providers for certain features:

– Digital wallets (Apple Pay®, Google Pay®).

–  ATM networks.

– Data aggregators (to link external bank accounts).

We’re not responsible for third-party services, their terms, or their privacy practices. Use them at your own discretion.

8. Privacy & Confidentiality

Your privacy matters.

– Omni® follows the CBW Bank Privacy Notice and the CashRepublic Privacy Policy, which together describe how we collect, use, and share your information.

– We share information only as allowed by law, to deliver services, process transactions, or prevent fraud.

– See Appendix E of the Deposit Account Agreement for details.

9. Intellectual Property

The Omni® App, website, logos, and content are protected by copyright, trademark, and other laws. You may use them only as intended to access your account.

10. Suspension & Termination

We may suspend or close your account if:

– You misuse the App or Card.

– We suspect fraud or illegal activity.

– Required by law or regulation.

You may close your account at any time through the App.

11. Limitation of Liability

To the maximum extent permitted by law:

Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you,(with responsibility allocated as required by applicable law depending on the role of the Bank, program manager, or affiliated entity) we may be liable for your losses or damages. However, in no event will we be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. There are some exceptions to our liability. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough Value available on your Card to complete the transaction;
• If a merchant refuses to accept your Card;
• If an ATM where you are making cash withdrawal does not have enough cash;
• If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
• If access to your Card has been blocked after you reported your Card lost or stolen;
• If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
• If we have reason to believe the requested transaction is unauthorized;
• If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;

• Any other exception stated in our Agreement with

Your Liability for Unauthorized Transfers

Your Card is the same as cash and the loss, theft or unauthorized use of your Card could cause you to lose all value on your Card. You are responsible for all transactions initiated through the use of your Card, including any PIN-based transactions, any transactions initiated by presenting the Card number only and any authorized transactions initiated by someone else. You must report unauthorized transactions immediately and/or notify us immediately if you believe your Card has been lost or stolen, by calling us at (833) 813-2274. Only transactions determined to be fraudulent or unauthorized that occur after notification to us will be credited to the Card. Therefore, it is imperative that you notify us immediately upon discovery of unauthorized use, loss or theft of the Card. You are responsible for transactions that occur between the time the Card is lost or stolen and the time we are actually notified. When reporting a lost or stolen Card, you will be required to provide us with your name, the Card number, your most recent transaction(s) and any other personal information necessary to verify your identity and your ownership of the Card. Once this information is verified, we will either reissue a Card or refund the remaining balance, subject to the $5.00 Card Replacement Fee or the $25.00 Expedited Replacement Card Fee in the Fee Schedule above, and subject to the settlement of any pending transactions on the Card. Please be advised that we reserve the right to require an affidavit confirming the information you provide related to your lost or stolen Card prior to the issuance of a replacement Card or refund. Please also be advised that it is your responsibility to take reasonable measures to safeguard your Card from loss or theft and failure to take such measures may result in the denial of any lost or stolen funds. You agree to fully cooperate with us in our investigation of any possible unauthorized use of your Card.

Protecting Your Cards

• This Card is equivalent to cash and should be treated as
• Don’t carry your PIN in your wallet or purse or write it on your
• Never write your PIN on the outside of papers that could be easily lost or
• Carefully check ATM or POS transactions before you enter the PIN or before you sign the receipt; the funds for this item will be fairly quickly transferred out of your Card.
• Periodically check your Card Transaction History. This is particularly important if you shop online. Compare the current balance and recent withdrawals or transfers to those you’ve recorded, including your current ATM and POS withdrawals and purchases and other If you notice transactions you didn’t make, or if your balance has dropped suddenly without activity by you, immediately report the problem to your Card issuer. Someone may have co-opted your Card information to commit fraud.

12. Indemnification

You agree to indemnify and hold harmless us, including   CashRepublic Financial LLC, Omni Financial of Nevada Inc., and CBW Bank against losses arising from your misuse of the App, Card, or services.

13. Dispute Resolution &

We will review and investigate your claim promptly and respond in accordance with Regulation E and any other applicable laws.

• We may ask you to provide additional information or documentation to help us complete the investigation.
• We will generally resolve your dispute within 10 business days (or up to 45 days if additional review is required, in which case we may provisionally credit your account during the investigation).
• You will be notified in writing of our findings and any account adjustments.

 Arbitration Agreement and Acknowledgement

PLEASE READ THIS SECTION CAREFULLY.

This section contains an Arbitration Agreement and Class Action Waiver that affects your legal rights.

By checking the box below and continuing, you acknowledge that you have read and agree to the Arbitration Agreement described in this Section and available at the link provided.

View the full Arbitration Agreement here:

www.yesomni.com/legal/arbitration

Customer Acknowledgement

 I acknowledge that I have read and agree to the Arbitration Agreement and Class Action Waiver.
(This agreement does not apply to covered borrowers under the Military Lending Act.)

Your use of the Omni Debit Card (including use of the Omni® App) is conditioned upon your acceptance of the terms and conditions of an Arbitration Clause which includes a class action waiver. To view the complete Arbitration Clause terms and conditions please refer to your Deposit Account Agreement and disclosures.

In part, the Arbitration Clause provides (except as otherwise stated below) any dispute, claim, or controversy between you and us arising out of or relating to your Omni Account or this Agreement will be resolved in small claims court or by binding arbitration, administered by a recognized arbitration organization (such as the American Arbitration Association) under its applicable rules. By agreeing to be bound by the Arbitration Clause you waive your right to resolve claims against us as a member of a class. Military Lending Act (MLA) Exception

If you are a covered borrower under the Military Lending Act (including active-duty servicemembers and their covered dependents), this arbitration provision does not apply to you, and you retain all rights available under applicable law as applicable

14. Governing Law

These Terms are governed by federal law and the laws of the State of Kansas (where CBW Bank is chartered), unless otherwise required by law.

15. Fraud Protection and Monitoring

-We may use advanced fraud detection systems to help keep your Omni Account safe. If we spot something unusual, we may temporarily block, decline, or hold a transaction until we can verify it’s really you.

We may contact you by app notification, text, email, or phone to confirm suspicious activity.  Please response quickly so we can keep your account secure.

By using your account, you agree to cooperate with any investigation into suspected or unauthorized use and to provide any information we reasonably request.

Fraud prevention is a shared responsibility – our systems help protect you but staying alert and notifying us right away if something looks off please contact us promptly .

16. How to Contact Us

We’re here to help.

Phone: (833) 813-2274

Email: Depositsupport@yesomni.com

Hours:  Monday–Friday, 8:00AM – 8:00PM PT

Mailing Address: Card Services, P.O. Box 1808, Orlando, FL 32802-1808

Closing Note

We built Omni® with the same integrity and transparency that service members bring to their missions. Thank you for trusting us to be part of your financial journey.