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International money transfers in the MAJORITY app are provided by one of three licensed companies, depending on the state you send from and other factors. This page identifies exactly which Majority company or partner provides your transfer, under which license, and how to reach the regulator in your state. Other MAJORITY products and the companies that provide them are summarized further below.

How to file a Complaint about a MAJORITY product

If you have a question or a concern about your money transfer or any MAJORITY service, please contact MAJORITY support first. You can reach us at 855-553-3388 or [email protected], and we will work with you to resolve it.

If your complaint is not resolved after you contact us, you have the right to file a complaint with the regulator that oversees the company that provided your service. Your money transfer is provided by one of three companies, so direct your complaint to the company that provided it:

Majority Payment Services, LLC (NMLS ID 1991596): file with the financial regulator in your state. Find your state under Transfers by Majority Payment Services, LLC for the regulator and its contact details.
Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876): file with the financial regulator in your state. Find your state under Transfers by Community Federal Savings Bank or Inyo for the regulator and its contact details.
Community Federal Savings Bank: a federally chartered savings bank supervised by the Office of the Comptroller of the Currency (OCC). You can file a complaint with the OCC at helpwithmybank.gov.

You may also file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint. The company handling your transfer is shown in the app before you pay, and the regulator for your state is listed beside your state in the sections below.

Who provides your money transfer

International money transfers are provided by Majority Payment Services, LLC (NMLS ID 1991596), Community Federal Savings Bank, or Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876; FinCEN MSB Registration 31000231163732). The provider depends on the state you send from. In the states served by Community Federal Savings Bank and Inyo, your individual transfer is routed to either partner based on factors such as the destination country, transfer amount, payout method, and operational or risk considerations. The company processing your transfer is always disclosed to you in the app before you pay. Funds held while a transfer is being processed are not insured by the FDIC.

Standalone money-transfer customers — including people who send by shared link (Transfer Link) through WhatsApp without opening a MAJORITY membership — receive only the money transfer service described here, and none of the membership services listed later on this page.

Money Transfers Provided by Majority Payment Services, LLC

In the following states, your international money transfer is provided by Majority Payment Services, LLC (NMLS ID 1991596), a licensed money transmitter.

Arizona

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: MT-1019607

State regulator: Arizona Department of Insurance and Financial Institutions • 100 N. 15th Avenue, Suite 261, Phoenix, AZ 85007-2630 • Tel: (602) 771-2800 / (800) 544-0708

Colorado

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: 500363

State regulator: Colorado Division of Banking • 1560 Broadway, Suite 975, Denver, CO 80202 • Tel: 303-894-7575

District of Columbia

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: MTR1991596

State regulator: D.C. Department of Insurance, Securities and Banking • 1050 First Street, NE, 801, Washington, DC 20002 • Tel: (202) 727-8000

Georgia

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: 73133

State regulator: Georgia Department of Banking and Finance • 2990 Brandywine Road, Suite 200, Atlanta, GA 30341-5565 • Tel: (404) 651-8600 / (800) 869-1123

Illinois

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: MT-0000389

State regulator: Illinois Division of Financial Institutions • 320 W Washington, Suite 550, Springfield, IL 62786 • Tel: 1 (888) 473-4858

Maryland

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: 1991596

State regulator: Maryland Office of the Commissioner of Financial Regulation • 100 S. Charles Street, Tower 1, Suite 5300, Baltimore, MD 21201 • Tel: 410-230-6100 / 888-784-0136

Michigan

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: MT0026906

State regulator: Michigan Department of Insurance and Financial Services • DIFS, PO Box 30220, Lansing, MI 48909-7720 • Tel: 517-284-8800 / 877-999-6442

Missouri

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: MO-21-8786

State regulator: Missouri Division of Finance • Truman State Office Building, Room 630, Jefferson City, MO 65102 • Tel: (573) 751-3242

Montana

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: not required (Montana does not regulate money transmitters)

State regulator: Montana Division of Banking and Financial Institutions • 301 South Park, Suite 316, Helena, MT 59601 • Tel: 406-444-4500 / 800-481-6896

Pennsylvania

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: 118510

State regulator: Pennsylvania Department of Banking and Securities • 17 N. 2nd Street, Harrisburg, PA 17101 • Tel: 1-800-PA-BANKS

Texas

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: 3224

State regulator: Texas Department of Banking • 2601 N. Lamar Blvd, Austin, TX 78705-4294 • Tel: 1-877-276-5554

Utah

Provider: Majority Payment Services, LLC (NMLS ID 1991596)
License: Licensed (no license number issued by the state)

State regulator: Utah Department of Financial Institutions • P.O. Box 146800, Salt Lake City, UT 84114-6800 • Tel: 1-801-538-8834

Money Transfers Provided by Community Federal Savings Bank or Golden Money Transfer, Inc. dba Inyo

In every other state, your international money transfer is provided by Community Federal Savings Bank or Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876). Your individual transfer is routed to one of these two partners based on the destination, transfer amount, payout method, and other operational and risk factors; the provider handling your transfer is disclosed to you before you pay.

Alabama

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License SC 520

State regulator: Alabama Securities Commission • 445 Dexter Avenue, Suite 12000, Montgomery, AL 36104 • Tel: 334-242-2984 / 1-800-222-1253

Alaska

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License AK-MT-10093

State regulator: State of Alaska, Division of Banking & Securities • PO Box 110807, Juneau, AK 99811-0807 • Tel: 907-465-2521

Arkansas

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 43394

State regulator: Arkansas Securities Department • Heritage West Building, Suite 300, 201 East Markham Street, Little Rock, AR 72201-1692 • Tel: (501) 324-9260

California

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 2401

State regulator: California Department of Financial Protection and Innovation (DFPI) • 2101 Arena Boulevard, Sacramento, CA 95834 • Tel: 1-866-275-2677

Connecticut

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT-916876

State regulator: Connecticut Department of Banking • 260 Constitution Plaza, Hartford, CT 06103-1800 • Tel: 860-707-1966

Delaware

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 19826

State regulator: Delaware Office of the State Bank Commissioner • 1110 Forrest Avenue, Dover, DE 19904 • Tel: (302) 744-4500

Florida

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License FT230000009

State regulator: Florida Office of Financial Regulation • 200 E. Gaines Street, Tallahassee, FL 32399-0381 • Tel: 1-866-966-7226

Idaho

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MTL-168

State regulator: Idaho Department of Finance • P.O. Box 83720, Boise, ID 83720-0031 • Tel: 208-332-8004 / 1-888-346-3378

Indiana

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 64888

State regulator: Indiana Department of Financial Institutions • 30 South Meridian St., Suite 300, Indianapolis, IN 46204 • Tel: 317-232-3955 / (800) 382-4880

Iowa

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 2023-0201

State regulator: Iowa Division of Banking • 200 East Grand Avenue, Suite 300, Des Moines, IA 50309 • Tel: 515-281-4014

Kansas

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT.0000264

State regulator: Office of the State Bank Commissioner of Kansas • 700 SW Jackson St, Suite 300, Topeka, KS 66603 • Tel: 877-387-8523

Kentucky

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License SC819382

State regulator: Kentucky Department of Financial Institutions • 500 Mero Street, Frankfort, KY 40601 • Tel: (502) 573-3390 / (800) 223-2579

Louisiana

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 916876

State regulator: Louisiana Office of Financial Institutions • 8660 United Plaza Boulevard, 2nd Floor, Baton Rouge, LA 70809-7024 • Tel: (225) 925-4524

Maine

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 916876

State regulator: Maine Bureau of Financial Institutions • 36 State House Station, Augusta, ME 04333-0036 • Tel: 800-965-5235 / 207-624-8570

Massachusetts

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License FT916876

State regulator: Massachusetts Division of Banks • 1000 Washington Street, 10th Floor, Boston, MA 02118-2218 • Tel: 1-617-956-1500

Minnesota

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MN-MT-916876

State regulator: Minnesota Department of Commerce • Golden Rule Building, 85 7th Place East, Suite 280, St. Paul, MN 55101 • Tel: 651-539-1600

Mississippi

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 916876

State regulator: Mississippi Department of Banking and Consumer Finance • PO Box 12129, Jackson, MS 39236-2129 • Tel: (601) 321-6901

Nebraska

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 916876

State regulator: Nebraska Department of Banking and Finance • 1526 K St #300, Lincoln, NE 68508 • Tel: (877) 471-3445

Nevada

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT60045

State regulator: Nevada Department of Business and Industry • 3300 W Sahara Avenue, Suite 250, Las Vegas, NV 89102 • Tel: (702) 486-4120 / (866) 858-8951

New Hampshire

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 23618-MT

State regulator: New Hampshire Banking Department • 53 Regional Drive, Suite 200, Concord, NH 03301 • Tel: (603) 271-3561 / (800) 437-5991

New Jersey

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License L073653

State regulator: New Jersey Department of Banking and Insurance • Division of Consumer Affairs, P.O. Box 45025, Newark, NJ 07101 • Tel: (973) 504-6200 / (800) 242-5846

New Mexico

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 916876

State regulator: New Mexico Financial Institutions Division • 2550 Cerrillos Road, Santa Fe, NM 87504 • Tel: (505) 476-4885

New York

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT 105218

State regulator: New York Department of Financial Services • 1 State Street, New York, NY 10004 • Tel: 800-342-3736

North Carolina

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 161676

State regulator: North Carolina Commissioner of Banks • 4309 Mail Service Center, Raleigh, NC 27699-4309 • Tel: 919-733-3016

North Dakota

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT102775

State regulator: North Dakota Department of Financial Institutions • 2000 Schafer Street, Suite G, Bismarck, ND 58501-1204 • Tel: 701-328-2480

Ohio

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License OHMT 268

State regulator: Ohio Department of Commerce, Division of Financial Institutions • 77 S High Street, 20th Floor, Columbus, OH 43215 • Tel: (614) 728-8400

Oklahoma

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 916876

State regulator: Oklahoma State Banking Department • 2900 North Lincoln Boulevard, Oklahoma City, OK 73105 • Tel: 405-521-2782

Oregon

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MTX-30103

State regulator: Oregon Division of Financial Regulation • PO Box 14480, Salem, OR 97309-0405 • Tel: 1-888-877-4894

Puerto Rico

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License TM-175

State regulator: Puerto Rico Office of the Commissioner of Financial Institutions • 1492 Ave. Ponce De León, Suite 600 • Tel: 787-723-3131

Rhode Island

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 20214169CT

State regulator: Rhode Island Department of Business Regulation • 1511 Pontiac Avenue, Cranston, RI 02920 • Tel: (401) 462-9503

South Carolina

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 916876

State regulator: South Carolina Attorney General • P.O. Box 11549, Columbia, SC 29211 • Tel: 803-734-3677

South Dakota

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT.2050

State regulator: South Dakota Division of Banking • 1714 Lincoln Ave., Suite 2, Pierre, SD 57501 • Tel: (605) 773-3421

Tennessee

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 136

State regulator: Tennessee Department of Financial Institutions • P.O. Box 20207, Nashville, TN 37202 • Tel: (615) 741-2236

Vermont

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT-916876

State regulator: Vermont Department of Financial Regulation • 89 Main Street, Montpelier, VT 05620-3101 • Tel: 802-828-3307

Virginia

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MO-249

State regulator: Virginia Bureau of Financial Institutions • PO Box 640, Richmond, VA 23218-0640 • Tel: 1 (804) 371-9657

Washington

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 550-MT-57144

State regulator: Washington Department of Financial Institutions • P.O. Box 41200, Olympia, WA 98504-1200 • Tel: (360) 902-8700

West Virginia

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License MT-916876

State regulator: West Virginia Division of Financial Institutions • 900 Pennsylvania Avenue, Suite 306, Charleston, WV 25302 • Tel: (304) 558-2294

Wisconsin

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 229-SOC

State regulator: Wisconsin Department of Financial Institutions • 4822 Madison Yards Way, North Tower, Madison, WI 53705 • Tel: (608) 261-9555

Wyoming

Providers: Your transfer is routed to one of the following based on destination, transfer amount, payout method, and other risk- and operational factors; the provider handling your transfer is disclosed to you before you pay:
• Bank partner: Community Federal Savings Bank — provides transfers as a federally chartered savings bank (no state money-transmitter license required).
• Money transmitter: Golden Money Transfer, Inc. dba Inyo (NMLS ID 916876) — License 7351

State regulator: Wyoming Division of Banking • 2300 Capitol Avenue, 2nd Floor, Cheyenne, WY 82002 • Tel: (307) 777-7797

Other MAJORITY Services (Membership)

The services below are provided by other Majority companies and partners and are available only to customers who open a MAJORITY membership in the app (operated by Majority USA, LLC, a Delaware company at 2509 N Miami Ave, #101, Miami, FL 33127; Majority USA, LLC is not a bank), pass identity verification, and pay the membership fee ($5.99 per 30 days; first 30 days free).

MAJORITY Account & Visa® Card Membership

FDIC-insured account and reloadable Visa® card.

Provided by: Axiom Bank, N.A., Member FDIC. The MAJORITY Visa® General Purpose Reloadable (GPR) Card is issued by Axiom Bank, N.A. pursuant to a license from Visa U.S.A. Inc.; the account is held at Axiom Bank, N.A.
Serviced by: Majority USA, LLC.
Governing terms: Axiom Bank, N.A. MAJORITY Account and GPR Card Agreement.

MAJORITY Visa® Credit Card (Secured) Membership

Secured credit card to help build U.S. credit history.

Provided by: Issued by WebBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.; secured by a Collateral Account held at WebBank.
Serviced by: Majority USA, LLC.
Governing terms: MAJORITY Visa Credit Card Agreement (WebBank).

International Calling & Mobile Top-ups Membership

Low-cost cross-border calling and prepaid airtime.

Provided by: Rebtel Networks AB (Sweden). VoIP service; not a replacement for traditional phone service and does not support 911 emergency calls.
Governing terms: Rebtel Terms of Service.

Mobile Phone Plans Membership

Prepaid mobile phone plans.

Provided by: Gigs Wireless, LLC. MAJORITY acts only as Gigs' billing and customer-service agent.
Governing terms: MAJORITY Phone Plan Billing Terms and the Gigs End User Service Agreement.

MAJORITY Pay (Peer-to-Peer) Membership

Send and receive U.S. dollars with others in the app.

Provided by: MAJORITY does not move the money; funds are transferred through Axiom Bank, N.A. and other partner financial institutions.
Governing terms: Axiom Bank, N.A. Cardholder Agreement.

Account Funding (ACH & Bank Linking) Membership

Move money in from a linked bank account.

Provided by: ACH by Dwolla, Inc. and its bank partners; bank-account linking by Plaid, Inc.

Global Wallet

Global Wallet (Self-Custodial Stablecoin Wallet) Majority Global, LLC

A self-custodial wallet to hold, send, and receive supported stablecoins.

Provided by: Majority Global, LLC — a separate company from Majority USA, LLC, with its own Terms of Service.
How it works: Self-custodial wallet using multi-party computation (MPC). You alone control your private keys and stablecoins; Majority Global is not a custodian and cannot reverse transactions. Currently supports USDC on the Solana network.
Stablecoin issuer: USDC is issued by Circle Internet Financial, LLC.
Availability: Not available in the Prohibited Jurisdictions listed in the Majority Global Terms (including the EU, the United Kingdom, and sanctioned countries). Features roll out in phases by jurisdiction.
Governing terms: Majority Global, LLC Terms of Service.

WhatsApp Channel

WhatsApp Channel (Simon AI) Interface only

An optional way to interact with MAJORITY through WhatsApp.

Provided by: Majority USA, LLC. The WhatsApp Channel is a user interface, not a standalone financial product; any transaction you start through it is governed by the underlying agreement for that service (for example, the applicable money-transfer partner's terms).
Important: WhatsApp is operated by Meta Platforms, Inc., which is not affiliated with MAJORITY.
Governing terms: WhatsApp Channel Addendum (Majority USA, LLC).

App

About

The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. The MAJORITY Visa® debit card is also issued by Axiom pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Majority Payment Services LLC (NMLS # 1991596) at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21201, phone 888-784-0136.

Services may be provided by Majority Payment Services LLC (NMLS # 1991596). This licensed company may be verified through the NMLS consumer access website: https://www.nmlsconsumeraccess.org/

The MAJORITY Visa® Credit Card is issued by WebBank, member FDIC, pursuant to a license from VISA U.S.A. Inc. MAJORITY is not a bank or lender and is a technology company. Joining the waitlist does not constitute an application for credit and does not affect your eligibility or approval status. An application must be submitted to be considered for the card. Eligibility requirements apply, including but not limited to income and expense requirements, keeping your MAJORITY account in good standing, and establishing a security deposit account.

*Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement.

**We report account information to one or more credit reporting agencies. Both positive and negative payment history impact your credit score. The impact of payment history on credit bureau scoring models will vary. Making on-time payments may help to build a credit profile for consumers without existing debt. Failure to make on-time payments will result in a negative history reported to credit reporting agencies and may negatively impact your credit score.

MAJORITY, 2509 N. Miami Avenue #101, Miami, Florida 33127