YELL Consumer Incentive Program

Rules and Terms

Last updated: 08/19/2026

Incentive Program Details

• Bonus: Any bonus will be transferred by YELL into the YELL account of the Customer within 7 business days of earning the Bonus.
• Customer: A Customer is an individual who creates a YELL account and successfully completes the Customer verification process.
• Notification: Customers will be notified via email and/or in-app notification.
• Referral limitation: The referral Bonus may be earned no more than 10 times per Customer.
• Account Status: The Customer’s account must be open, active, and in good standing at the time of bonus payout. Accounts that are restricted, suspended, or in violation of YELL’s Terms may be ineligible.
• Updates: YELL reserves the right, at its sole discretion, to update, modify, or suspend incentive offerings at any time. During any suspension period, incentives will be unavailable to new Customers.
• Multiple Incentives: A Customer may qualify for multiple incentives, subject to the limitations applicable to each incentive.
• Eligible Reward Activity and Qualifying Transactions: Eligible Reward Activity means activity that YELL determines qualifies toward a reward milestone or incentive requirement under these Program Terms including qualifying transactions

A qualifying transaction is the purchase of goods or services using the YELL wallet or YELL debit card as the form of payment.

Eligible Reward Activity and Qualifying Transactions exclude:

1. Gambling transactions
2. Purchases of CBD products
3. Peer-to-peer transfers between YELL Customers
4. Transfers between a Customer’s own YELL accounts
5. Depositing funds into a YELL account from an externally linked bank account, unless expressly stated in a specific offer
6. Transfers from a YELL account to an externally linked bank account, unless expressly stated in a specific offer
7. Failed, returned, reversed, or refunded transactions
8. Disputes, chargebacks, and provisional credits
9. Fraudulent, suspicious, or non-compliant activity
10. Any activity YELL determines is intended to misuse, manipulate, or circumvent the Program

Referral Incentive

The Referral Incentive rewards eligible Customers when a Referred Customer joins YELL through a valid Referral Code and completes required reward milestones.

No Bonus is provided for signup alone.

Milestone 1: Start with YELL

No Bonus is paid when a Referred Customer signs up for YELL.

Milestone 2: Activate Your YELL

A Referring Customer and Referred Customer may become eligible for a Bonus when the Referred Customer:

1. Signs up using the Referring Customer’s valid Referral Code;
2. Successfully completes YELL customer verification; and
3. Completes at least $25 in cumulative qualifying transactions using the YELL wallet or YELL debit card

All three requirements must be completed within 7 days after the Referred Customer completes YELL customer verification. Requirements completed after that 7-day period do not qualify for the Full Activation Bonus.

Bonus Amount:

• Referring Customer: $5

• Referred Customer: $5

Milestone 3: Make Some Noise

A Referring Customer and Referred Customer may become eligible for a Bonus when the Referred customer completes at least $75 in cumulative qualifying transactions using the YELL wallet or YELL debit card within 14 days after completing the Full Activation milestone.

Bonus Amount:

• Referring Customer: $5

• Referred Customer: $5

Milestone 4: Keep YELLing

A Referring Customer and Referred Customer may become eligible for a Bonus when the Referred Customer completes at least $300 in cumulative qualifying transactions using the YELL wallet or YELL debit card within 90 days after completing the Full Activation milestone and keeps their YELL account open, active, unrestricted, and in good standing.

Bonus Amount:

• Referring Customer: $5

• Referred Customer: $5

Maximum Referral Bonus

Both the referring customer and referred customer are eligible to earn all 3 incentive milestones per referral.

Referral Bonuses may be earned for no more than 10 qualifying Referred Customers per Referring Customer.

First Funding Incentive

Eligible Customers may receive a one-time Bonus after adding money to their YELL account and completing qualifying YELL transactions using the YELL wallet or YELL debit card. Adding money alone does not earn a Bonus; the Bonus unlocks only after the Customer adds money and completes the required Qualifying YELL Transactions within the applicable time period.

Eligibility

To qualify for a First Funding Incentive tier, the Customer must:

1. Have an open, active, unrestricted YELL account in good standing;
2. Add at least the required amount of money to their YELL account from an eligible external source;
3. Complete the required number of Qualifying YELL Transactions;
4. Complete both the add-money and transaction requirements within the applicable time period. Each time period begins on the date the Customer completes YELL customer verification; and
5. Meet all other Program requirements.
6. A Customer may receive only one Standard Tier Bonus. YELL will award the highest single Standard Tier for which the Customer completes the funding and transaction requirements within 14 calendar days after completing YELL customer verification.
7. A Customer may earn up to $45 from the First Funding Incentive.

Standard Tiers

YELL 50

• A customer spends $50 in YELL qualifying transactions using the YELL wallet or YELL debit card within 5 days after opening your Yell account and completing customer verification.

• Bonus Amount: $10

YELL100

A customer spends $100 in YELL qualifying transactions using the YELL wallet or YELL debit card within 10 days after opening your Yell account completing YELL customer verification.

• Bonus Amount: $15

YELL250

A customer spends $250 in YELL qualifying transactions using the YELL wallet or YELL debit card within 20 days after opening your Yell account and completing customer verification.

• Bonus Amount: $20

Limits and Restrictions

1. Limit one standard First Funding Incentive tier Bonus (Everyday, Weekly, or Power) per Customer.
2. Referred Customers (Customers who join YELL using another Customer’s Referral Code) are eligible for the standard First Funding Incentive tiers subject to the limits applicable to each.
3. The Referral Incentive and the First Funding Incentive are separate incentives, and a Customer may earn Bonuses under both. Completing a standard First Funding Incentive tier does not affect a Customer’s eligibility for the Referral Incentive, and earning Referral Incentive Bonuses does not affect a Customer’s eligibility for the First Funding Incentive. Each incentive is subject to its own eligibility requirements, time periods, and Program limits, and a Bonus is awarded only where the requirements of each incentive are separately met.

Program Cap

YELL may set a cap on any incentive, reward, Bonus, sweepstakes, or promotional offer at anytime.

Program caps may apply by:

1. Customer
2. Referring Customer
3. Referred Customer
4. Household
5. Device
6. Referral Code
7. Merchant
8. Campaign
9. Promotional period
10. Total Program budget

Once a Program cap is reached, the applicable incentive may no longer be available to new or existing participants, subject to the specific offer terms and applicable law.

Incentive Program Monitoring Disclosure

YELL monitors incentive programs to support compliance with applicable laws, regulations, Program rules, and internal policies, and to help protect against fraud, misuse, and abuse.

By participating, you acknowledge and agree that YELL may use automated systems and manual review processes to review eligibility, rewards, transactions, referrals, redemptions, and account activity.

YELL may conduct:

1. Monthly audits and spot checks
2. Event-driven reviews
3. Manual reviews
4. Automated fraud and abuse monitoring
5. Periodic Program effectiveness reviews
6. Record-keeping and reporting reviews

If misuse is identified, YELL may:

1. Suspend or terminate participation
2. Deny, delay, reverse, or recover incentive payments
3. Modify future incentive eligibility
4. Restrict or close accounts, subject to YELL’s Terms and applicable law
5. Cooperate with regulatory or law enforcement inquiries as required

Additional Disclosures

Bank Relationship Disclosure:
Bangor Savings Bank does not sponsor, administer, or have any responsibility for this incentive program. All incentive-related services are provided solely by YELL Payment.

Tax Disclosure:
Bonuses and incentives may be considered taxable income. Customers are responsible for any applicable federal, state, or local taxes. YELL may issue required tax forms.

FDIC Disclosure:
YELL Payment is a financial technology company and not a bank. Banking services are provided by Bangor Savings Bank, Member FDIC.
FDIC insurance applies only in the event of bank failure and is subject to pass-through eligibility requirements.

Card Issuance Disclosure:
The YELL Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Spend anywhere Mastercard is accepted.