• xl Financial Student accounts aim to instil positive financial practices early on.
• On-time auto-pay to ensure timely payments.
• Spending limit management tools designed to help students stay within their budgets and assist in tracking expenses and income.
• Automatic savings option enables periodic transfers to xl Financial Student Savings account.
• The account setup facilitates easy transition from spending to saving.
• xl Financial's built-in Wealth Manager provides guidance on money management.
• Same fee-free structure and cash back as xl Financial Consumer banking and credit.
• Tuition aid, scholarships, and recruitment.
• Student loans and refinancing. 

• Apply in minutes.
• FDIC insured business checking and savings.
• No hidden fees.
• No monthly fee or overdraft fees.
• No fees for sending and receiving checks, ACHs or wires (domestic or international).
• No account balance minimums.
• 5.21% investment APY* on idle balances with xl Invest Edge.
• Low currency exchange fee of 1.2%*.
• Higher limit global business credit cards (and unlimited corporate team virtual cards) with 1.5% cash back on all purchases.
• Revolving business line of credit*.
• xl Financial BIZ HUB subscription*.
• Real-time vendor, spend limit and spend program management on unlimited virtual cards.
• Expense tracking and accounts payable management.
• Invoice extraction.
• PO management.
• Real-time accounting automation.
• Employee user-permission and admin approval management.
• Automated workflows.

• Built-in CRM with lead generation AI auto-pilot.
• Contact management.
• Lead management.
• Sales automation.
• Pipeline management.
• Task and activity management.
• Reporting and analytics.
• Integration.
• Workflow customization.
• Email, text and social media communications hub.
• AI-driven content creation.
• Marketing, sales and after sales AI support agent.

• Simplified consumer and business investment platform. 
• Personalized portfolio management for larger investments*.
• Invest in over 10,000 publicly traded companies and EFTs.
• Invest as little as $1 (fractional shares).
• Self managed risk profile selector.
• Auto-invest manager.
• xl Financial Invest-Edge community platform with investment guidance and webinars from investment experts.
• Real-time content and insights through a customizable investment dashboard. 
• For enterprise level business account holders with large balances: idle-cash investment with up to 5.21% APY through low risk, high yield portfolios*, and protect any larger uninsured deposits with conservative mutual funds**.
• Investments insured by the Securities Investor Protection Corporation (SIPC) up to $500k in securities and cash.

• Auto
• Boat, yachts and personal water craft
• Condo
• Earthquake
• Fine arts
• Flood
• High net worth
• Homeowners
• Individual health
• Jewelry
• Medicare supplemental
• Personal umbrella
• Renters
• Travel
• Business general liability
• Business interruption
• Commercial auto
• Commercial property insurance
• Professional liability / errors & omissions (E&O) insurance
• Workers' compensation insurance

Personalized Financial Advice:

       Tailored investment strategies.

       Asset allocation recommendations.

Budgeting and Expense Tracking:

       Spending analysis.

       Budgeting tools with alerts.

Investment Management:

       Automatic portfolio rebalancing.

       Real-time performance monitoring.

Goal Setting and Progress Tracking:

       Set and track financial goals.

       Progress insights and alerts.

Education and Insights:

       Financial education resources.

       Market insights and trends.

Risk Management and Security:

       Account activity monitoring.

       Alerts and recommendations.

Evaluation and Customization:

Conduct a thorough assessment of existing expense management and customer management processes.

Develop customized digital solutions tailored to address identified needs and areas for enhancement.

Integration and Support:

Integrate advanced CRM systems, expense management tools, and operational software to streamline processes and boost efficiency.

Provide comprehensive training and ongoing support to ensure seamless adoption and utilization of digital platforms.

Collaboration and Optimization:

Collaborate closely with client teams to align strategies with business objectives and goals.

Continuously monitor performance metrics and refine strategies to optimize results.

Communication and Evaluation:

Maintain transparent communication channels throughout the process to ensure clarity, collaboration, and accountability.

Conduct periodic evaluations to assess the impact of digital solutions on expense management, customer satisfaction, and overall operational efficiency.

• xl Community dedicated to empowering underrepresented communities.
• Comprehensive financial resources for women, BIPOC, students, and veterans.
• Network of industry and educational professionals for tailored support.
• Financial literacy education integrated into our platforms.
• Scholarships, mentorship, and support programs.
• Housing assistance and mental health support for veterans.
• Transaction round-up program for easy support.
• Transparent tracking of contributions and their impact.
• Free recruitment platform for students.
• Bridging financial gaps for marginalized communities through collaborative efforts.