Agreements – Cambio

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Cambio Program Closure Notice
Aviso de Cierre del Programa Cambio
Electronic Communications Agreement
Account Agreement
Texas First Bank Privacy Notice
Referral Program Terms and Conditions
MAS Points Rewards Program Terms & Conditions
Ouro Notice at Collection
Ouro U.S. Privacy Notice

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© 2025 All Rights Reserved. The Cambio Account is a multi-currency debit account with a rewards program. The debit account is provided by Texas First Bank, Member FDIC on behalf of the program manager, Ouro International, Inc. which is a financial technology company. Funds held in US Dollars are insured by FDIC. Foreign currencies in your account are held outside of the United States and are not insured by FDIC. The Cambio Debit Card is issued by Texas First Bank pursuant to a license from VISA U.S.A. Inc. See the agreements and disclosures for the Cambio Account, and view our privacy policies to learn about the information we collect from you and how we use it.

Once your identity is verified and your account is registered, your funds on deposit in your USD denominated demand deposit account are FDIC insured up to $250,000 through Texas First Bank, Member FDIC (“TFB”), subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at TFB. FDIC insurance protects against the failure of TFB, not the failure of Rêv USA, Inc. ("Rêv"). Rêv, a financial technology company, is not a bank and is not FDIC insured. Any foreign currencies in your account are not insured by the FDIC, are not deposits and may lose value.

1. The Cambio Account is a multi-currency account managed by Rêv USA, Inc. ("Rêv"), a subsidiary of Ouro International, Inc. ("Ouro"). Rev and Ouro are financial technology companies. Texas First Bank issues the Cambio Visa debit card pursuant to a license from Visa U.S.A., Inc. The Cambio Visa debit card may be used everywhere Visa debit cards are accepted. it.

2. U.S. residents who are foreign nationals can enroll using a Mexican passport, matricula consular, or Mexican voter ID. If you have a U.S. Social Security Number (SSN), you are required to provide it.

3. Mexican nationals residing in the US can enroll using a Mexican passport, matricula consular, or Mexican Voter ID.

4. At this time transfers are limited between persons (payor and payee) having a Cambio Account. Fees for bank transfers are determined by the transferor's bank and maybe charged to the transferor's bank account by the service provider or the originating bank.

5. Upon verification of your identity, funds held in US Dollars are FDIC insured up to $250,000 at TFB, subject to certain conditions including the aggregation of all funds held by you at Texas First Bank. FDIC insurance protects against the failure of Texas First Bank. Ouro is not a bank and is not FDIC insured. Foreign currencies in your account are held outside of the United States, are not FDIC insured and may lose value due to exchange fluctuations. There are no currency conversion or foreign exchange fees. Applicable FX rates apply.

6. Certain restrictions apply; see the MÁS Points program terms and conditions for full details including point earning and redemption parameters. Void where prohibited by law. Texas First Bank, Member FDIC, and Visa U.S.A, Inc. is not affiliated with this feature and do not endorse it.

7. The Netspend Network is provided by Ouro Global, Inc. and its authorized agents. Ouro Global, Inc. is a licensed provider of money transfer services (NMLS ID: 932678). Ouro Global Inc.’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Ouro Global, Inc. and other third parties in connection with use of the Netspend Network© 2025 All Rights.

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