Cash Back Rewards

toWealth Cash Back Rewards Program

Terms and Conditions

Last Revised: May 12, 2026

The toWealth Cash Back Rewards Program (“Program”) allows eligible toWealth Card Account customers (“you”) to earn Cash Back Rewards (“Rewards”) as described below and subject to these Program Terms and Conditions (“Terms and Conditions”) and the Cardholder Agreement. These Terms and Conditions set forth the terms and conditions under which toWealth, LLC (“toWealth”) and The Bank of Missouri (collectively “we,” “us”) make the Program available to you. Rewards associated with the toWealth Card are provided and administered solely by toWealth.

By participating in the Program, you acknowledge that you have read, understood, and agree to be bound by the following terms and conditions:

1. 1.
   How You Earn Rewards. The Program consists of 1% cash back on eligible purchases (as described in Section 2 below) you make with your toWealth Card Account issued by The Bank of Missouri. Please see "How Rewards Are Applied" in Section 3 below for more information on when and how your Rewards are applied.
   
2. 2.
   What Card Purchases Are Eligible. For card purchases to be eligible, the transactions must have settled. Card purchases that are canceled, refunded, or that failed to process will not generate Rewards. Other transactions that are not eligible include cash advances; balance transfers; transactions involving the purchase of checks, financial products, promotional merchandise, foreign currency, money orders, other monetary instruments, or similar products or services; debt repayment; account funding; transactions executed for the sole purpose of transferring funds to another account maintained or controlled by the same customer; ATM withdrawals; other non-purchase transactions; or disputed or fraudulent transactions.
   
3. 3.
   How Rewards Are Applied. Your accrued Rewards will be automatically applied to your toWealth Savings Account on or before the 10th calendar day of the month following the calendar month in which they were earned. For example, Rewards accrued between January 1 and January 31 will be credited on or before February 10.
   
   Rewards will not reduce the amount of your Minimum Payments Due. Rewards are a gratuity and not your property until applied to your toWealth Security Deposit Account. Your toWealth Security Deposit Account is security for your toWealth Card Account.
   
4. 4.
   Changes to the Program. toWealth may revise these Terms and Conditions from time to time in its sole discretion. The revised Terms and Conditions will be effective at the time they are posted on this webpage, provided that we will notify you of any change when required by applicable law. Please regularly check this webpage so you are aware of any changes. By continuing to use your toWealth Card after the effective date of any changes to these Terms and Conditions, you thereby agree to such changes.
   
5. 5.
   Closing Your Account. To close your toWealth Card Account, please go to the toWealth Mobile App or contact us at (800) 988-7782. If you or The Bank of Missouri closes your toWealth Card Account for any reason, any accrued, but not applied, Rewards will be forfeited.
   
6. 6.
   How You Could Lose Your Rewards. toWealth may, in its sole discretion and consistent with the terms of the Cardholder Agreement, decline to allow you to accrue Rewards or apply accrued Rewards. By way of example, and without limitation, Rewards may not be applicable to accounts that toWealth determines show signs of fraud, misuse, or abuse, or to accounts closed to new draws for any reason.
   
7. 7.
   Additional Terms. Rewards cannot be sold, attached, seized, levied upon, pledged, or transferred under any circumstances including, without limitation, by operation of law, upon death, or in connection with any dispute or legal proceeding.
   
8. 8.
   Warranty Disclaimer; Limitation of Liability. The Program and any Program content is provided “as is.” toWealth, The Bank of Missouri, and their respective affiliates, directors, officers, employees, agents, or contractors (together, the “toWealth Parties”) make no representations or warranties concerning the Program or any Program content, either express or implied, including, without limitation, warranties of title, merchantability, fitness for intended use or a particular purpose, non-infringement, and otherwise arising by law, custom, usage, trade practice, course of dealing, or course of performance. The toWealth Parties do not warrant that the functionality or availability of the Program and any Program content will be uninterrupted or error-free. IN NO EVENT WILL THE TOWEALTH PARTIES BE LIABLE TO YOU OR TO ANY OTHER PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR INCIDENTAL DAMAGES OR FOR ANY INJURY, CLAIM, OR LIABILITY OF ANY KIND ARISING FROM YOUR USE OF THE PROGRAM, EVEN IF THE TOWEALTH PARTIES ARE AWARE OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
   
9. 9.
   Termination of Program. These Terms and Conditions are effective upon your participation in the Program and will remain in effect until termination of your related Cardholder Agreement and Security Agreement. Termination will not prejudice either your or toWealth’s remedies at law or in equity.
   
10. 10.
    Tax Liability. You will be solely responsible for any and all tax liability arising out of the Rewards. Please consult your tax advisor.