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Apto Payments is a financial technology company, not a bank. Banking services are provided by Member FDIC or Patriot Bank, N.A., Member FDIC.

Apto Mastercard debit cards are issued by Patriot Bank, N.A. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Apto Visa debit cards are issued by Patriot Bank, N.A., pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.