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

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.

Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive. 

Noticia al Consumidor: Existe una amplia variedad de productos financieros disponibles en el mercado, por lo que su elección debe coincidir con sus necesidades financieras. Los préstamos de poco dinero utilizados durante un largo período de tiempo pueden ser costosos. 

Green Dot: must be 18 or older 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 be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. 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.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 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 deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.  ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. 

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

Ohio Residents: Check Cashing provided by Buckeye Check Cashing, Inc., CC700000, Main Office 5165 Emerald Parkway, Suite 100, Dublin OH 43017. 

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