Updated 
September 19th, 2025

Online Servicing Policy

SECTIONS

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Overview

This Online Servicing Agreement (the “Agreement”) governs all payments Affiniti or you initiate on any website or online application that links to this Agreement and is provided by Affiniti. All capitalized terms not defined or clarified in this Agreement have the meanings given to them in the Affiniti Terms of Use. For the purposes of this Agreement, “Affiniti,” “We,” “Us,” includes Affiniti, its third-party service providers (including account connection and verification providers), its Sponsor Bank, its agents, or its successors and assigns.

We suggest you read this document carefully and save a copy for your reference. Please be advised that other terms restrictions may also apply, as outlined in the Terms of Use, E-Sign Consent, and Privacy Policy, which can all be accessible at affiniti.com/legal. In addition, if you use an Affiniti Card Product, the terms and conditions in the applicable Cardholder Agreement also apply.

If the terms of this Agreement conflict with the terms contained in any additional Agreement solely as they apply to online payment services, this Agreement shall control; provided, that the terms of this Agreement are not intended to modify any disclosures or other terms that are required by law and that are provided by Affiniti Finance, Inc. in an additional agreement.

Payments Authorization and Processing

THIS SECTION PROVIDES AUTHORIZATION TO AUTOMATICALLY DEBIT YOUR LINKED BANK ACCOUNTS FOR ALL AMOUNTS YOU OWE US. PLEASE READ IT THOROUGHLY.

You authorize Affiniti to collect amounts owed by you, by commencing an electronic transfer, such as an automated clearing house (ACH) or alternative debit transaction, for your usage of Affiniti Products and Affiniti Services from your Linked Accounts. You authorize Affiniti to electronically collect from your Linked Account, the specified amounts on the date you initiated or scheduled a payment, whether through the Platform or by your verbal or written consent. You hereby also authorize the Affiniti to initiate debit or credit entries to any Linked Account, and further authorize your depository bank to accept such entries initiated by the Affiniti and to debit or credit such entries to your account without responsibility for the correctness of the entries. You agree that Affiniti may debit or credit such entries at any time (including before the due date) and without additional notice if we determine in our sole discretion, that (a) the total aggregate balance of Linked Accounts connected to your Affiniti Account is less than the balance minimums required by our underwriting criteria, (b) you do not satisfy one or more of our other underwriting or credit requirements, or (c) you or the amounts owed to us pose or may pose an unacceptable risk to Affiniti, its successors or assigns, Sponsor Bank, or third-party service providers (excluding amounts under dispute as defined in the Cardholder Agreement).

The debit authorizations described in the above paragraph are collectively deemed the “Debit Authorization.” Scheduled Debit Authorizations will follow the guidance described in the “Automatic Payments” section in this Agreement.

You also acknowledge and agree that:

  1. You have legal authorization to access, authorize payments from, and manage the Linked Accounts you specified.
  2. The Linked Accounts were established and is used for business purposes and not for personal, family or household purposes.
  3. This authorization is provided as a means for Affiniti to collect legitimately owed charges incurred from your use of Affiniti Products.
  4. Affiniti may initiate such collection transactions without additional notice beyond what is provided this Agreement;
  5. For charges relating to Affiniti Card Products, the amount collected may include up to all past due balances, applicable fees, and other charges as permitted under the Cardholder Agreement;
  6. You also authorize us to credit and/or debit your Linked Accounts for verification purposes (through microdeposits or similar means). Verifications will not result in a net loss for your account;
  7. You will maintain sufficient funds in your linked bank accounts to satisfy all payment obligations, and you understand that you may be subject to returned payment fees and other consequences outlined in your Cardholder Agreement, as applicable, if a collection attempt fails due to insufficient funds;

The Debit Authorization shall remain in effect until terminated upon 30 days’ notice by either you or Affiniti. You may provide notice of termination of your Debit Authorization only in writing by emailing support@affiniti.finance. You acknowledge that unlinking or removing a bank account in the Affiniti dashboard does not constitute revocation of ACH debit authorization. Notice of termination shall in no way affect debit or credit entries made prior to actual receipt of notice, and shall not affect your obligations to pay any amounts owed to Affiniti or the Sponsor Bank pursuant to the Cardholder Agreement or any other applicable agreement. If you withdraw the Debit Authorization from all linked Linked Accounts (or just your Affiniti Checking Account or Affiniti Business Account), you must immediately pay all amounts owed under your Account before or upon providing notice, including charges, fees, fines, and other amounts not yet reflected on your periodic statements, and you authorize us to debit your Linked Accounts for such amounts before the withdrawal of authorization takes effect. If you withdraw the Debit Authorization for any Linked Account (including for your Affiniti Checking Account or Affiniti Business Account), we also reserve the right to suspend or close your Affiniti Account or access to Affiniti Products.

After the successful processing of your online payment, your available credit may not reflect the recent payment amount until up to 5 business days following the payment being successfully processed (or when the payment settles, whichever is later). Payments made during weekends or on federal banking holidays will be processed on the next business day. Please keep in mind that all payments are subject to further verification.

One Time Payments

You will not be permitted to schedule or make payments for amounts greater than the then current balance on your account. Upon the initiation of a payment, any subsequent modification thereof shall be prohibited.

For same-day online payments, please be aware that the cut-off time is 8:00 pm Eastern Time for the payment to be considered processed for that day

Automatic Payments

When you enable AutoPay for charges incurred pursuant to your use of Affiniti Services, you instruct us to initiate payments automatically from the Linked Accounts based on the applicable schedule described in this section pursuant to the Debit Authorization. You can enable AutoPay online in Affiniti’s web application or by reaching out directly to Affiniti’s support team. AutoPay will start automatically making payments on the immediate next autopay date following initial setup. If you just enabled AutoPay during a statement’s payment period and have a payment due in that current payment period, it may be required that you make a one-time manual payment to cover that statement.

If you select Weekly AutoPay, we will process your full outstanding account balance before 5:00pm Eastern Time on the day you select or are assigned to for autopay processing.

If you select Semi-Monthly Autopay, we will process your full outstanding account balance before 5:00pm Eastern Time every 1st and 15th of the month (or other pairing of dates as assigned).

If you select Monthly AutoPay, we will process your total statement balance before 5:00pm Eastern Time within 2 business days after your Billing Statement (as defined in the Cardholder Agreement) is issued.

If you select Payment Due Date AutoPay, we will process your total statement balance before 5:00pm Eastern Time within 2 business days before the Payment Due Date.

If you select Minimum Payment Due AutoPay, we will process your minimum payment due before 2:00pm Eastern Time within 2 business days after your Billing Statement (as defined in the Cardholder Agreement) is issued.

Your authorization for all types of AutoPay will remain in effect until you disable AutoPay. It is your responsibility to cancel or edit any AutoPay settings associated with an external bank account that you have closed, plan to close, or do not have enough funds to cover the scheduled payment. Even if there may still be pending payments, or payments that have not yet cleared your account, it is your responsibility to maintain the account and account balance long enough for the payments to clear. Affiniti reserves the right to disallow certain forms of AutoPay for your Affiniti Account.

Changes to Agreement

We may add, delete or change the terms of this Agreement at any time. We will inform you of changes when legally required and may inform you of the nature of any material changes even when not legally required to do so. We may communicate changes by either mail, email or a notice on our Platform and will make the updated terms available on our Platform. You agree that by continuing to use the Affiniti Services after the date that changes are posted to our Platform, such changes will be effective for transactions made after that date, whether or not you access the Platform or otherwise receive actual notice of the changes. If you do not agree with a change, you may discontinue using the Affiniti Services. For the avoidance of doubt, even if you discontinue using the Affiniti Services, all unpaid balances incurred before such action will continue to be owed.

Correction and Cancellation

If there is an error in processing an electronic transfer, you authorize us to correct the error by initiating an electronic transfer to the account in the amount of such error on or after the date such error occurs. If you make a typographical or similar error in providing us with information about the account, you authorize us to correct the error upon receiving corrected information from you or your financial institution. It is your responsibility to ensure the accuracy of any information that you enter, and you will be responsible for any amount owed and paid even if you make an error. You are responsible for informing us as soon as possible if you become aware that any information you entered is inaccurate.

Should an electronic transfer be rejected for any reason, you grant us authorization to re-initiate the transfer as many times as is permissible by ACH network rules and regulations, without subsequent notification to you. Furthermore, you agree that we are under no obligation to reinitiate any rejected transfer.

You authorize us to initiate electronic debit entries to Linked Accounts for amounts you owe to us, including advance debits. From time to time, we reserve the right to debit your account in advance of when amounts are otherwise due, in order to satisfy your obligations. Any amounts collected in excess of your obligations, or any payments made by you in error or in an incorrect amount, will be applied as a credit toward future amounts owed; we are under no obligation to issue refunds.

Once a payment has been scheduled by you, it may not be cancelled by you. We are under no obligation to honor cancellation or stop-payment requests, and you agree not to rely on the ability to revoke or amend a scheduled payment.

Disputes

You agree not to dispute, reverse, or cause to be returned any ACH debit or other electronic transfer properly authorized under this Agreement, except where such debit was not authorized by you or was the result of Affiniti’s error. Any such dispute, reversal, or return shall constitute an immediate event of default under this Agreement and the Cardholder Agreement. Upon such default, all obligations to Affiniti shall become immediately due and payable in full, and Affiniti may exercise any and all remedies available under this Agreement, the Terms of Use, the Cardholder Agreement, or applicable law. You further agree to indemnify and reimburse Affiniti for any losses, fees, penalties, or expenses (including reasonable attorneys’ fees) incurred by Affiniti in connection with such dispute, reversal, or return.

If any payment, transfer, or other value delivered to Affiniti under this Agreement is at any time rescinded, avoided, clawed back, or otherwise required to be returned or disgorged (whether pursuant to the Uniform Commercial Code, bankruptcy law, fraudulent transfer or preference law, or otherwise), then the underlying obligation with respect to which such payment, transfer, or value was made shall be automatically reinstated and continue in full force and effect as if such payment, transfer, or value had never been made. You agree to immediately repay to Affiniti, upon demand, the full amount of any such returned or disgorged payment, together with any costs, expenses, or fees (including reasonable attorneys’ fees) incurred by Affiniti in connection with the return of such payment and the enforcement of this provision.

Other Rules

You understand and agree that this Agreement and debits made hereunder are subject to applicable law and card network rules, including the National Automated Clearing House Association Rules and you agree to abide by such applicable law, network rules, and National Automated Clearing House Association Rules.

You understand that your financial institution may impose fees in connection with rejected debits, and you agree that we do not have any liability to you for such fees. Additionally, you may be subject to returned payment fees based on your Cardholder Agreement if you use an Affiniti Card Product.

For any questions about this Agreement, please contact us at support@affiniti.finance.

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