Consent to Electronic Disclosures, Signatures, and Records


Through this website, you can electronically apply for credit from CheckSmart (collectively, “Lender”). The Lender needs your consent to use and accept electronic signatures and records. By submitting your application, you acknowledge that you have reviewed this document and consent to the use of electronic signatures, electronic records, and electronic disclosures in connection with this transaction.


By consenting to the electronic delivery of disclosures, you agree the Lender may provide electronically any and all communications concerning their respective decisions on your Application for Credit (the “Application”), the terms of any credit and/or Loan that may be provided to you, as well as the privacy policies of the Lender (the “Disclosures”). The Disclosures may include, in addition to other things, disclosures pursuant to: (1) applicable state law; (2) the federal Equal Credit Opportunity Act and Regulation B; (3) the federal Fair Credit Reporting Act and Regulation V; (4) the federal Truth and Lending Act and Regulation Z; (5) the federal Electronic Funds Transfer Act and Regulation E; (6) the federal Gramm-Leach-Bliley Act; and (7) any other applicable federal, state or local law or regulation. Your consent applies not only to the Application and any resulting credit and Loan, but also to any application for future credit services from the Lender. Such information may also include any notice, communication, amendment or replacement and/or disclosure required to be provided orally or in writing to you. You are deemed to have received any electronic communication provided to you when it is made available to you.

 

You may print out each document that is displayed to you along with your current loan documents after logging into your account. You have the option to receive any information that we have provided electronically in paper form at no cost to you. Please email or write to the Lender at its corporate address of 5265 Emerald Pkwy, Suite 100, Dublin, OH 43017 for printed copies of documents provided to you electronically. In your request, please specify which documents you would like to receive in printed form.


Change to Your Contact Information.  In order to avoid delay in delivery of the Records, you agree to keep us informed of any change in your electronic or physical mailing address.  At least FIVE (5) days prior to the change, you must either contact Customer Service by telephone at 800‑460-4305, or by e-mail at consumer.complaints@ccfi.com.


Consenting to Do Business Electronically.  Before signing below, you should consider whether you have the required hardware and software capabilities described below. 


Hardware and Software Requirements.  To access and retain the Records electronically, you will need the following: a PC- or MAC compatible computer or other device with Internet access equipped with Internet Explorer (8.0 and higher), Firefox (17.0 and higher), Safari (5.0 and higher) or Chrome (23.0 and higher), and Adobe Flash Player (8.0 or higher) web-browser add on, and either a printer, a hard drive or other storage device.  We may amend (add to, delete or change) the terms of this Notice and Consent to Electronic Records. If you do not consent at or later withdraw consent after that time, all Records after that time will be provided to you in paper form.  For questions regarding the hardware and software requirements, you may send your written questions by mail to:  CheckSmart, PO Box 535, Dublin, OH 43017.


By signing your loan Agreement you are confirming that: 1) You have access to a computer system that meets the requirements set forth above; 2) You agree to receive such communications electronically; and 3) You are able to access and print or store information presented to you during this transaction.


You have the option to receive any information that we have provided electronically in paper form at no cost to you by contacting us at 800-460-4305 or CheckSmart, Attn: Records Request, 5165 Emerald Parkway, Suite 100, Dublin, OH 43017.  You may also withdraw your consent to electronic notices by contacting us in the same manner.


I consent to the above terms and conditions of the Electronic Disclosure and Communication.

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Loan/Pawn Products: To receive a loan, you must meet applicable creditworthiness criteria. Subject to state regulations, eligibility, credit check, underwriting and approval. Must meet state database eligibility. Applicant cannot be an active-duty member of the Military, or that person's spouse or dependent. Funded amounts vary by state, store, product or based on the results of an ability to repay analysis (where applicable. Rates, terms and conditions apply. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. All products are not available at all locations. 

Title loans are subject to minimum auto value requirements. Vehicle and title must be present to complete appraisal where applicable. 

Store Services: Rules, restrictions, and fees apply. See store for details. 

Green Dot: Must be the age of majority in your state of residence (18 or more) to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. 

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account. 

2. Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability. 

3. See app for free ATM locations. 4 free withdrawals per calendar month, $3.00 per withdrawal thereafter. $3 for out-of-network withdrawals and $.50 for balance inquiries, plus any fee the ATM owner may charge. Limits apply. 

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard international Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposited with Green Dot Ban and are aggregated for deposit insurance coverage up to the allowable limits. ©2025 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739 

Ohio:  Check Cashing provided by Buckeye Check Cashing Inc., CC700000, Main Office 2312 E Trinity Mills Rd, Ste 100, Carrollton TX 75006

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