Page 1/15 Goldman Sachs Bank USA. Member FDIC.
Deposit Account Agreement
Effective April 17, 2023
Welcome to Savings!
Your Savings account is provided by Goldman Sachs Bank USA, Salt Lake City Branch (“Bank,” “we,” “us,” or “our”), and this
is a legal agreement between you and us. By opening, maintaining, and using your Savings Account (“Account”), you are
agreeing to be bound by this Deposit Account Agreement (“Agreement”), which can be found in your Apple Wallet. Please
read it carefully and keep a copy for your records.
You can view, print, save, and email current versions of this Agreement at any time from your Apple Wallet, or you can
request this Agreement by contacting us.
CONTACTING US
Except as explicitly set forth in this Agreement, you can contact us with questions or other matters about your Account by:
• Using Messages;
• Calling us toll-free at 877-255-5923; or
• Writing to us at Lockbox 7022, P.O. Box 71022, Philadelphia, PA 19176-1022.
If you attempt to contact us by other means, we may not receive your message and may not be able to respond in a timely
manner or at all.
CHANGES TO THIS AGREEMENT
Subject to applicable law, we may change any term of this Agreement, or add new provisions, at any time in our sole
discretion. If we are required by law to provide you with notice of any changes to this Agreement, we may do so in
accordance with the Electronic Communications Agreement we have already provided to you. Subject to applicable law,
continued access to or use of your Account following such notice will be deemed to be your acceptance of such modified
version of this Agreement. If you do not agree to this Agreement or any revised version of this Agreement, we may require
you to close your Account.
THIS AGREEMENT REQUIRES CLAIMS TO BE ARBITRATED AND FORBIDS CLASS ACTIONS, UNLESS YOU EXERCISE YOUR
RIGHT TO REJECT ARBITRATION UNDER THIS AGREEMENT BY PHONE OR MAIL WITHIN 90 DAYS AFTER ACCOUNT
OPENING.
Important Definitions
This section defines some important terms used in this Agreement.
“Account” means the savings account opened for you under this Agreement.
“ACH Transfers” means transfers to or from your Account processed under National Automated Clearing House Association
(“NACHA”) Operating Rules.
“Apple Card” means the Apple Card consumer credit account issued by us that can be accessed through Apple Wallet.
“Apple Cash” means the prepaid debit card offered by Green Dot Bank.
“Apple Wallet” means the digital application from which you can access your Account.
“Available Balance” means the amount of funds in your Account you’re permitted to withdraw.
“Business Day” means Monday through Friday, excluding all U.S. bank holidays.
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