- YELL Privacy Notice
- GLBA Privacy Notice
- YELL Terms of Service
- YELL E-SIGN Consent
- Third Party Mobile Wallet Terms of Use
- California Consumer Privacy Act Disclosure
- Patriot Act Disclosure
- BSB Debit Card Agreement
- BSB Deposit Account Agreement
- Truth in Savings Account Disclosure - Consumers
- YELL Consumers incentives
- YELL Business incentives
- Commercial Account Disclosure
ACCOUNT DISCLOSURES
Last update – Last update – 2/27/2025.
Please read these Account Disclosures carefully. These terms apply to your Deposit Account provided by Bangor Savings Bank in connection with YELL Payment. Capitalized terms not defined in these Account Disclosures shall have meanings set forth in the Deposit Account Agreement and Debit Card Agreement.
Account Type:
☐ Consumer ☒ Commercial
☒ Checking/Transactional Account ☐ Savings ☒ Debit Card
FDIC Insurance
☒ Your Account is eligible for FDIC insurance, up to applicable federal limits, as set forth in your Agreement.
☐ Your Account is not FDIC-insured.
Interest:
☒ Your Account is a non-interest bearing account.
Minimum Balance:
☒There is no minimum balance to open your Account, maintain your Account, avoid the imposition of fees or obtain the disclosed interest rate and APY.
Transaction Limits
Your Account is subject to all the limitations set forth in your Bangor Savings Bank Deposit Account Agreement (“Deposit Account Agreement”), Bangor Savings Bank Debit Card Agreement (“Debit Card Agreement”) and any other agreement between you and us. In addition, the following transaction limits apply for Commercial Accounts:
| Limit | Amount |
| ACH Transaction Limit | $2,500 |
| Daily/Weekly/Monthly ACH Limit | Daily: $2,500 / Weekly: $7,500 / Monthly: $20,000 |
| ATM Withdrawal Limit | $500 |
| Daily/Weekly/Monthly ATM Withdrawal Limit | Daily: $500 / Weekly: $2,000 / Monthly: $3,000 |
| Debit Card Transaction Limit | $2,500 |
| Daily/Weekly/Monthly Debit Card Transaction Limit | Daily: $2,500 / Weekly: $7,500 / Monthly: $20,000 |
Account access and transactions are only made available to you on YELL Payment’s mobile application. Deposits to your Account may only be made by ACH transfer from your Linked Account on YELL Payment’s mobile application. Withdrawals from your Account may only be made by ACH transfer to your Linked Account on YELL Payment’s mobile application, and by making purchases and ATM withdrawals on your Card, if one is issued to you with your Account. You may not make transactions, view information, or access the funds in your Account using services such as Bangor Online, Bangor Mobile, Telephone Banking, or any services available within each of these platforms. You may not deposit cash or checks in your Account, even if your Card allows you ATM access to cash. You may not make transactions or access your Account using Bangor Savings Bank’s branches.
Fee Schedule
You agree to pay all applicable fees on your Account, which are disclosed in your Deposit Account Agreement, Debit Card Agreement (if applicable), Fee Schedule and any other agreement you have with us. In addition, you agree to pay the following fees:
| Fee | Amount | When the Fee Will Be Imposed |
| YELL accounts | ||
| App download | $0 | No fee to download the YELL app. |
| Account setup | $0 | No account setup fee for the YELL account. |
| Monthly account maintenance | $0 | No monthly account maintenance fee. |
| Spending or sending money | ||
| In-store purchases | $0 | No fee for in-store purchases using the YELL Mastercard. |
| Online purchases | $0 | No fee for online purchases using the YELL Mastercard. |
| Sending money to YELL customers | $0 | No fee for sending money to other YELL customers. |
| Adding money to the YELL wallet | ||
| Transfer from bank account | $0 | No fee for adding funds to your YELL wallet via incoming bank transfer or ACH. |
| Transfer from credit card | 2.99% | Adding money to your YELL wallet via credit card transfers incurs a 2.99% fee. |
| Instant access | 1.99% | Instant access to transferred funds incurs a 1.99% fee. |
| Receiving money from YELL customers | $0 | No fee for receiving money into your YELL wallet from another YELL customer’s wallet. |
| Receiving money using Direct Deposits | $0 | No fee for direct deposits into your YELL wallet. |
| Receiving merchant refunds | $0 | No fee for receiving merchant refunds. |
| Transferring money from the YELL wallet | ||
| Electronic withdrawal | 0.50% | Withdrawals to linked bank accounts incur a 0.5% fee. |
| Using the YELL Mastercard | ||
| YELL debit card acquisition | $0 | No fee for getting the card. |
| ATM withdrawal (in-network) | $0 | No fee for ATM withdrawals within the Allpoint network. “In-network” refers to ATMs in the Allpoint ATM Network. Locations can be found at allpointnetwork.com/locator.html. |
| ATM withdrawal (out-of-network) | $2.50 | ATM withdrawals outside of the Allpoint network incur a $2.50 YELL fee. “Out-of- network” refers to all the ATMs outside of the Allpoint ATM Network. Additional fees may be charged by the ATM operator, including for a balance inquiry, even if no transaction is completed. Foreign transaction fees may apply. |
| YELL debit card replacement | $0 | No fee for replacement of lost or stolen YELL debit cards. |
| YELL for Business | ||
| Accepting payments | 1.50% | Accepting YELL payments incurs a 1.5% fee. |
| More information | ||
| Customer service (telephone) | $0 | No fee for customer service calls. |
| Customer service (chat/email) | $0 | No fee for customer service messages.. |
| Real-time alerts | $0 | No fee for real-time push notifications and text messages. Standard text message and data rates may apply. |
| Monthly statements | $0 | No fee for monthly account statements. |
| Transaction declines | $0 | No fee for transaction declines due to insufficient funds. |