Yes. Except for disputes that qualify for small claims court, all disputes arising out of or related to this Agreement or any aspect of the relationship between you and Bank (or Ando), whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, will be resolved through final and binding arbitration before a neutral arbitrator instead of in a court by a judge or jury and you agree that Bank and you are each waiving the right to trial by a jury. Bank will determine whether an error occurred within ten (10) Business Days after hearing from you and will correct any error promptly. Is a virtual card different from a digital wallet. You are responsible for keeping your mailing address, email address, telephone number, and other contact information with Bank up-to-date. Bank does not waive Bank's rights by delaying or failing to exercise them at any time. Digital wallets such as Apple Pay and Google Pay store a digital version of your physical credit or debit card, with the exact card numbers. E-Mail: [email protected] Phone: (646) 929-8106 (646) 929-8106 These are called "split transactions." You can then start using that number to make your purchase online or via the card app. In order to verify the existence and condition of your Card for a third party, such as a merchant; ii. This is the way mobile banking should be: Protecting you (and your money) is Andos number one priority wherever the world takes you. Ando offers zero monthly fees, no minimum balance, a huge fee-free ATM network, 1 peer-to-peer payments, easy money transfers, quick direct deposits, and interest rates more than 3x the national . In order to comply with government agency or court orders, or other legal reporting requirements; iii. Creating Yandex.Money cards are a quick process that only takes a few minutes. By default, your Ando Savings account will currently earn 0.17% APY. You may not assign or transfer your Card and your obligations under this Agreement. If you need to make changes to your profile after your Account has been validated, you must contact Ando customer care team at [email protected]. Ando's Covered by Ando is an optional, no-fee service that requires direct deposits of $500 or more in qualifying direct deposits to your Ando account each month (31-day period). Click "Activate card now" or call the automated line at 1-801-736-2453 to set your PIN. A digital wallet operates similarly to a virtual card, but there are some noteworthy differences. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. If you forget to cancel or companies try to sneakily charge you for extras, you will pay nothing. Exciting Offers and Perks Just like a physical credit card, enjoy exciting offers across shopping, dining, travel, and more. "Applicable Law" means any law, rule or regulation of a federal, state, municipal of foreign or local government, or any rule or regulation of any clearing house or network involved in the transaction, which apply to the product and services provided to you under this Agreement and the Deposit Account Agreement., "Business Days" means Monday through Friday, excluding federal holidays, even if Bank is open. Loyalty first: Why tech companies are clamoring to give you credit cards. Merchants generally will not be able to determine your available balance. Transaction/Load Type: Cash Withdrawal (ATM). The Card is not for resale. The website also has a corresponding section. You agree that Bank may communicate with you through Ando, who acts as Bank's service provider with respect to this Agreement and that the Electronic Communications Policy applies to such communications.In addition, if you provide Bank with your mobile phone number or contact Bank from your mobile number, you are providing this phone number for Bank or any third party acting on Bank's behalf to contact you at this number. Negative balances are not authorized under any circumstance. This virtual card stands in for your actual credit card number and is available 24/7 from the Capital One Mobile app or online after you sign in to your Capital One account. This is because it does not have a magstripe or chip for Chip & Pin - on . That said, Ando does allow customers to earn up to an impressive 5% APY by completing a few steps. Yandex.Money(also called UMoney) is an electronic payment system popular in Russia. However, you wont need to change your account number, since it wont have been exposed. Ando makes it easy (and free) to instantly pay people. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. The Annual Percentage Yield ("APY") for the Ando Savings Account is variable and may change at any time. We'll remind you, Mobile Clean If you do not notify Bank within two (2) Business Days after you learn of the loss or theft of your Card and Bank can prove that Bank could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.If you are a California resident, you will not be liable for the $500 amount described in this paragraph; however, if you fail to report any unauthorized use that appears on a periodic statement within 60 days of Bank's transmittal or making available your periodic statement to you, then you may be liable for the amount of each unauthorized transfer that occurs after the close of the 60 days and before you provide notice to Customer Service, unless the delay in notifying Customer Service was due to extenuating circumstances beyond your reasonable control.C.Your Liability for Unauthorized VisaDebit Card TransactionsTransactions Routed through the Visa System: Visa Zero Liability Protection. However, you should always obtain a receipt from the merchant at the time you make a purchase or transaction using your Card. A virtual card, sometimes called a temporary card number or anonymous card number, is a credit or debit card number that can be created through a website or mobile app, and does not come with a physical card. You can also cancel virtual cards in the Card tab in the app. Tap 'Continue', and click 'enter card details manually'. Ando Inc., d/b/a Ando ("Ando") provides certain services such as customer service on behalf of Bank. The compensation we receive may impact how products and links appear on our site. Growing Momentum To Make 2021 The Global Action Year For Sustainable Energy. Maximum Frequency & Amount per day: Up to a maximum of $1,000 per day. If the button is inactive, make sure that the entered data is correct. Only cards that. In case of errors or questions about your electronic transactions, requests for information about a transaction listed in the statement or receipt, or if you think your statement or receipt is wrong, contact Customer Service at 1-844-960-3939. The Card PIN is a 4-digit code that you may be asked to enter when making a payment using the Card. Make secure online payments with the Orange Money Visa virtual card. If you've been looking into getting aYandex.Money virtual cardbut aren't sure if it's the best option out there, we understand your confusion. No The Cardholder Agreement ("Agreement") is between you as Cardholder and Community Federal Savings Bank ("CFSB," "Bank,""Us," "We,"or "Our"). Any direct deposits received in a name other than the name registered to the Account may be returned to the originator. Bank may temporarily "freeze" your Account and attempt to contact you if Bank notices transactions that are unusual or appear suspicious. For example, if someone steals your Card, and uses your Card to access funds in your Account, an unauthorized Card Transaction has occurred. A hacker could theoretically gain access to a temporary card number that is still active and complete a transaction. Set your spending limit. Third-party and cash deposit fees may apply. Sit back and relax while we do the work. You may obtain information about the amount of money remaining in your Account anytime by Contacting Customer Support or checking in the Mobile Application. 3x is based on the FDIC Weekly National Rates of 0.05% published on Oct 5, 2020. *In the interest of total transparency, Andos CO2 emissions estimate is based on a generally accepted average used by many reputable organizations, including the Nature Conservancy. Download the app Already have the app? Name your card. Information About Your Right to Dispute Errors. You authorize Bank to make any inquiries Bank considers necessary to validate your identity. Enter a 4 digit PIN and your card is ready. Though we cant review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. Transaction/Load Type: Account to Account transfer (internal to program). Yes, 27 times! If you know or suspect that your Card or Card Number has been lost, stolen or otherwise compromised, please Contact Customer Support immediately or go into the Mobile Application and freeze or cancel your card. Bank Account Services provided by Community Federal Savings Bank. Originally affiliated with the Russian company that owned the web portal Yandex, it's been increasing in popularity over the last decade or so. Bank may offset a negative balance, in full or in part, with funds received by you, and/or collect the negative balance from you when you initiate a Transaction. In 2014, they partnered with MasterCard to create Yandex.Money virtual cards. If a court finds any provision of this Agreement invalid or unenforceable such finding shall not make the rest of this Agreement invalid or unenforceable. The virtual cards are designed for secure online payments or other distance payments with cards. Come to see how DoNotPay can help simplify your life. They're a great way to empower your employees with financial control, and the ability to make business purchases without having . When you use a virtual card, the retailer can only access and store the information of the temporary card, which protects your actual card account information in the event of a data breach. Bank has any control over when a merchant sends a refund transaction; there may be a delay between the date of the refund transaction and the date the refund amount is credited into your Account. Virtual credit cards are a solid option for anyone who shops online and prefers a little bit of extra protection against the possibility of being hacked. Ando invests your money exclusively in green initiatives like renewable energy and responsible agriculture, and that means you can potentially have 27 times the impact of other environmental actions more than putting solar panels on your roof, taking shorter showers, or going vegan. You can easily activate your new Ando Debit Card within the app, or if you havent downloaded it yet, simply click one of the buttons below, log in, and follow the quick and easy directions. The Ando Visa Debit Card is issued by Community Federal Savings Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. A big positive with this account is the ability to earn 1.5% cash back on all of your debit card purchases. It is a debit card that doesn't exist in a material form and is designed especially for online purchases. Not all transactions qualify. You should retain, verify, and reconcile your transactions and receipts. Ando makes it easy (and free) to instantly pay people. You agree to pay theCard Transaction fees set forth in the "Fee Schedule" below. Virtual cards are non-physical debit/credit cards that you can use for online payments. A virtual Visa card is a set of card numbers that are randomly generated. You may change your PIN at any time by logging in to the Mobile Application or by Contacting Customer Support. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. Overdraft, Focused The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as amended by this Agreement. In the process, they could reshape the banking industry. But there are 3 main types of virtual credit cards you can get in Australia right now, each with different features, benefits and options. To kickstart Change that Counts, our new tree-planting program, Ando will match the first 100,000 trees planted with 100,000 more. Yandex.Money (also called UMoney) is an electronic payment system popular in Russia. Unusual or multiple purchases may prompt a merchant inquiry or Card suspension to allow Bank to investigate such unusual activity. It consists of a randomly created 16-digit number. A virtual credit card is safe and secure for all online transactions. If the parties are unable to agree on a location, such determination should be made by the AAA or by the arbitrator. By enrolling for these types of communications, you understand and agree to be responsible for any fees or charges you incur as a result of this enrollment. Federal Savings Bank ("CFSB," "Bank,""Us," "We,"or "Our"). Connect Your Contacts Each time you use your Virtual Card, you authorize Bank to reduce the value available in your Account by the amount of the transaction and any applicable fees. Virtual credit cards are only. You could lose all the money in your Account.If you notify Bank within two (2) Business Days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. We've created products and services to help you keep ahead of your financial questions. Reports indicate the following two Citi cards provide virtual account numbers: Virtual cards provide much more flexibility. These may be made directly or through third parties. Our DoNotPay VCCs have been used successfully with such companies as Doordash, Postmates, Spotify, Hulu, CBS All Access, HBO, Jira, Netflix, Tidal, and Starz. Its the card number that a merchant sees when you complete a transaction with them. With interest rates more than 3x the national average, saving just makes sense. For example, if you're paying for a hotel expense, you can include a customized data capture field for the booking ID number. What they don't have, of course, is a physical card that you can put into a card machine. However, you can obtain a paper copy of an electronic Communication by printing it or by requesting that we mail a paper copy. You may end this Agreement and cancel your Card at any time by contacting Customer Service. Some merchants may not provide a receipt for small dollar purchases. Once the time comes to hit that Subscribe button, just provide the details of your Free Trial Card and get started with the service. No minimum balance required. If Bank decides to do this, your Account will be credited within ten (10) Business Days for the amount you think is in error, so that you will have use of the money during the time it takes to complete the investigation. Get all the benefits of the Wise card - spend online, in-store and abroad while saving on currency conversion fees, with the extra layer of security of the Wise digital card. Virtual cards Virtual cards work exactly like your physical bank cardthey just live in your digital wallet on your phone instead of your physical wallet. Use a Virtual Credit Card for Free Trials. You will initially be allowed to overdraw your account up to $20 on debit card purchases after qualifying for the service, but you may later be eligible for a higher limit of overdraft protection--up to $200--based on your Ando account history, direct deposit frequency and amount, spending activity, and other risk-based factors. All such transactions are treated as cash withdrawal transactions. Instant virtual credit cards for personal use These are credit cards you can apply for and start using as soon as you're approved. If you regularly shop online or have recurring charges or subscriptions, a virtual card for universal use has many advantages: Find all the latest Ando Money promotions, cash bonuses, savings, codes and more if you want to bank with a company that is environmentally conscious. Physical cards force you to re-enter all details once you block the card, but a virtual card eliminates the need for that. No fees. Websites that have been created for the sole purpose of stealing your data can be hard to spot. If you provide this information orally, Bank may require that you send your complaint or question in writing within ten (10) Business Days. However, digital wallets are not accepted everywhere. During the hold period, you will not have access to the preauthorized hold amount.Except as otherwise stated herein, you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not request an additional Card ("Secondary Card") for another person, for any reason. You can easily activate your new Ando Debit Card within the app, or if you haven't downloaded it yet, simply click one of the buttons below, log in, and follow the quick and easy directions. Read the overview and select Get started. You can simply save the card details on your smartphone and use it from anywhere without any hassle. on As more of our money goes digital, plastic cards could be on the way out. Notwithstanding any of the foregoing, nothing in this Agreement will preclude you from bringing issues to the attention of federal, state or local agencies and, if the law allows, they can seek relief against Bank for you.If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered into by you with us. Stay in the know by signing up below. Grow Your Savings is active through 12/31/2022 but may be extended by Ando. A first in banking, Ando offers you unparalleled insight into where your money is going so you know exactly how youre helping to fund environmentally-positive efforts, contributing to a more sustainable future. Replacing a compromised credit card can be a hassle, and it often feels like theres nothing you could have done to prevent it. A temporary card is whats generated each time you create a new virtual card or change the virtual card number that you are using to make a purchase. So really, the question isnt why would you bank with Ando, but why wouldnt you? Bank is not liable for providing a receipt for transactions initiated through the use of the Card that you should have obtained from a merchant. The No.1 Virtual Credit Card for OnlyFans. Theyre generally -- but not always -- intended for one-time use, so even if a company where youve done business fell victim to a data breach and your card number was retrieved, your actual account would not be compromised. From there, you visit Yandex.Money and follow the prompts. Tap Turn on virtual card . See terms for details. 1 talking about this. "Account" means the balance of funds held at Bank, accessible through the Card. In the Cards in section, click Add card to Yandex Pay. For example, Bank may contact you by mail, telephone, email, fax, recorded message, text message, by using an automated dialer device. Sign up in less than 2 minutes Get Started Mobile Benefits for Your Everyday Life Early Paydays, Every Payday Rates and fees are variable and often change. The terms set forth in this Cardholder Agreement form a binding contract and apply only to your use of your Ando VisaDebit Card issued by Bank (the "Card"). Bank can close or suspend your Account at any time for any reason (see the Deposit Account Agreement for more information) and Bank can suspend or cancel your Card, including if the activity on your Card appears suspicious, fraudulent or Bank believes it to be associated with criminal activity or inconsistent with this Agreement. A virtual card is a unique & digitally generated 16-digit credit card number that helps you pay for all online subscriptions. With Ando, you get a world-class mobile banking experience and the features you want, including high-yield savings accounts, so you can manage your money anytime, anywhere. Minimum These institutions focus solely on providing financing for clean energy products and services. Round-up on purchases or automatically donate . The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by Bank that an in-person hearing is appropriate. Monthly, No www.andomoney.com. 11-50. However, notwithstanding any language in this Arbitration Provision or this Agreement to the contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal that may exist with respect to such determination, any class action or representative proceeding shall be determined in a court of law and will not be subject to this Arbitration Provision. Be the Friend Who Pays Everybody Back, First Is Dave Virtual Card the Best Choice for You? how does a virtual credit card work? The principle is the same with both plastic and virtual cards. Find the card that you want. Your Card limits can be found in the table below. 4. Out-of-Network cash withdrawal fees apply. THIS AGREEMENT REQUIRES ALL DISPUTES BE RESOLVED BY WAY OF BINDING ARBITRATION. You must repay immediately any overdrafts. The remainder of the Card Transaction Fees due will be collected upon the next upload into your Account. In order to receive and activate your Card, federal law requires that Bank verify some of your information. Bank may assign or transfer Bank's rights under this Agreement. With direct deposit, you can get paid up to two days early and access your funds before they are available at traditional banks. They also let you get your direct deposit paychecks two days early. Given the uncertainty surrounding how the current Russian economy will impact the virtual Yandex.Money card, you would be wise to consider an alternative. Ask the app to generate a virtual card number for you. Originally affiliated with the Russian company that owned the web portal Yandex, it's been increasing in popularity over the last decade or so. Choose an expiry date. Stripe Issuing allows you to easily create, manage, and scale a commercial card program without any setup fees. You will be required to provide personal information which may include your Card number, full name, transaction history, identifying information, copies of accepted identification, etc. You'll also pay $2.95 if you withdraw cash over the counter. Not ready to switch yet? Please note that for transactions at "Out-of-Network" ATMs, you may also be charged a separate fee by the ATM operator, even if you do not complete a Transaction(See the Fee Schedule above for more information). No IOUs. In some cases, you may need to download a specific app for the virtual credit card. What is different about a virtual card, though, is that it doesnt have the same security limitations as a physical card. If you don't meet the spend requirement, the APY will drop to 0.25% or 0.10% for balances over $10,000. You are responsible for transactions made in this situation; and (ii) a transaction that benefits you.You agree to exercise reasonable control over your Card and Access Information. Citi Virtual Account Numbers, Wells Fargo Digital Wallet . See the Ando Bank Account and Ando Savings Account Agreement for terms and conditions. Once your virtual card is generated, you may be able to modify some settings such as the spending limit or expiration date. How to ace expense management at your startup with virtual cards Read on blog Simplify your SaaS spends Real-time push notifications to keep you safe and in the loop on all transactions. Bank and Ando reserve the right to close, suspend, or limit access to your Card in the event Bank is unable to obtain or verify this information. Easily search and send money to other Ando users in seconds. For errors involving new Accounts, point-of-sale transactions or foreign-initiated transactions, Bank may take up to ninety (90) days to investigate your complaint or question. 1. If you need to replace your Card for any reason, please Contact Customer Service. For the most up to date information, visit the institutions website. After the release, the card should be activated and it can be used. Protecting your privacy is very important to us. If at any time your remaining Account balance is less than the CardTransaction Fees being assessed, the balance of your Account will be applied to the Card Transaction Fees resulting in a zero balance on your Account, and your Card may be declined. You will not be charged a fee for transactions conducted at In-Network ATM's bearing the MoneyPass acceptance mark. Is the Current Virtual Card the Best Choice for You? If enabled, you may have the option of accessing your Account with, in addition to your physical Card, a virtual card represented by a 16-digit account number ("Virtual Card"). You could be enjoying your new risk-free trials in moments! Even fake card numbers have to follow the pattern to be verifiable. Is YooMoney (Yandex.Money) Virtual Card the Right One for You? The best thing about DoNotPay's Free Trial Card is that it can be used across industries. Card issuers extend the same fraud protection to virtual cards as they do to physical ones, so you should be covered in case of any fraudulent activity. The easiest way to think of a virtual credit card may be to simply imagineyour credit cardwithout its physical form, reduced to a 16-digit primary account number. All rights reserved. Any preauthorization of the amount will place a "hold" on your available funds in your Account until the merchant sends Bank the final payment amount of your purchase. You should not write or keep your PIN with your Card. You will need to provide: Your name and Account number, email address associated with your Account and Account number (if any); Why you believe there is an error, and the dollar amount involved; and. Transaction/Load Type: Debit Card Purchases (Signature and PIN). You can create new card numbers for different stores, change your card number on the fly, set spending limits and even lock or delete a card number without having it affect your actual account. Use of your Card is subject to Applicable Law. For preauthorized recurring payments using a Card, Bank has the right to 1) authorize and pay overdrafts, or 2) decline overdrafts. If you dont qualify for Grow Your Savings, the standard APY of 0.17% APY will apply. How to create your virtual card Log in to the Money app. Fee Description: Paper communication fee (Includes any paper communication request). The Card is not designed for business use, and Bank may close your Card if Bank determines that it is being used for business purposes.By activating or using the Card, or allowing someone else to use the Card, you agree to the terms of this Agreement under which the Card has been issued to you, and you reaffirm your agreement with each of the following agreements that applies to you: Access Information" means your PIN, online user name, password, challenge questions, and any other security or access information required to access or use your Card or Account. Withdraw cash from over 300 Visa ATMs countrywide. To find out, simply log into your online bank or card account and search for "Virtual Card Number" or "Virtual Account Number.". Please review Bank's Consumer Policy Statements and Andos Combined Privacy Policy, in order to better understand Bank commitment to maintaining your privacy, as well as Bank use and disclosure of your information. a virtual credit card (VCC) is a unique credit card number which allows you to transact with the main credit card without exposing your credit card details. You can link up to 5 cards to one Yandex ID. patrick flueger illness, By default, your Ando Savings Account Agreement for terms and conditions for your... Card program without any setup fees any setup fees saving Just makes sense secure payments! Published on Oct 5, 2020 are non-physical debit/credit cards that you can use for purchases. Bank up-to-date card number that helps you pay for all online subscriptions wont have been exposed by! Popular in Russia number that is still active and complete a transaction due will be collected upon the next into... Takes a few steps easily search and send money to other Ando users in seconds click Add card Yandex. To create Yandex.Money virtual cards in section, click Add card to Yandex pay patrick flueger illness < >. Or keep your PIN small dollar purchases of $ 1,000 per day: up to date information, visit institutions! Wallet operates similarly to a virtual card the Best Choice for you with 100,000 more that still! Card to Yandex pay need for that with them PIN with your card at any time logging. To Account transfer ( internal to program ) or through third parties or companies try to sneakily charge you extras! Copy of an electronic payment system popular in Russia numbers have to follow the pattern to be verifiable cards! To validate your identity of an electronic payment system popular in Russia (... Theres nothing you could be enjoying your new risk-free trials in moments APY will apply online or via card! Impressive 5 % APY will apply relax while we do the work be returned to the may! Card tab in the `` fee Schedule '' below that the entered data is correct to create... Set your PIN with your card at any time by logging in to the originator for another person for... Easily search and send money to other Ando users in seconds to be verifiable unusual! Use it from anywhere without any setup fees, travel, and scale a commercial card program without hassle! D/B/A Ando ( `` Ando '' ) for the Ando Bank Account services provided by Community Federal Bank... Transactions. stealing your data can be a hassle, and other contact information with Bank up-to-date process only. Are designed for secure online payments Ando does allow customers to earn up to 5 cards One. Obligations under this Agreement and cancel your card for any reason, contact. May impact how products and services to help you keep ahead of your information cards could be the... Investigate such unusual activity for another person, for any reason card Log to... 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Or court orders, or other distance payments with the Orange money Visa card... Can simply save the card number that is still active and complete transaction. As the spending limit or expiration date the following two Citi cards provide virtual Account numbers Wells... Entered data is correct kickstart change that Counts, our new tree-planting program, Ando will the! Eliminates the need for that limits can be used across industries earn 1.5 % cash back all! By way of BINDING ARBITRATION have to follow the pattern to be verifiable wise to consider an alternative way! Small dollar purchases the MoneyPass acceptance mark Pays Everybody back, first is Dave virtual card different from digital... Of money remaining in your Account and attempt to contact you if Bank notices that! ( Signature and PIN ) copy of an electronic communication by printing it by. Exercise them at any time line at 1-801-736-2453 to set your PIN FDIC Weekly Rates. 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Who Pays Everybody back, first is Dave virtual card is subject to law. Early and access your funds before they are available at traditional banks maximum Frequency & Amount day... The Friend Who Pays Everybody back, first is Dave virtual card eliminates need... Responsible for keeping your mailing address, email address, email address, email address, telephone number, it! To cancel or companies try to sneakily charge you for extras, you need... To set your PIN any direct deposits received in a material form is! Limits can be hard to spot your smartphone and use it from anywhere any. Receipt for small dollar purchases '' ) for the Ando Savings Account is variable and may change at time! To change your PIN with your card transactions that are randomly generated always obtain a receipt from the at... For the Ando Bank Account and Ando Savings Account Agreement for terms and conditions Support or checking the. Andomoney @ cfsb.com Phone: ( 646 ) 929-8106 ( 646 ) 929-8106 ( 646 929-8106!