Program Name: FreeKick Text Message Program  
Program Operator: Austin Capital Bank SSB (“Austin Capital Bank,” “we,” “us,” or “our”), operating the FreeKick® program  
Last Updated: 08/19/2026

Please read these SMS Terms of Service (“SMS Terms”) carefully. By providing your mobile phone number and opting in to the FreeKick Text Message Program (the “Program”), you expressly consent to receive text messages from FreeKick (Austin Capital Bank) at the mobile number you provide, and you agree to these SMS Terms. 

1. Program Description 

The FreeKick Text Message Program sends account-related and servicing text messages to enrolled customers, which may include: 

• Account alerts and important account notifications; 

• One-time passcodes and identity verification codes; 

• Payment and servicing updates (e.g., payment reminders, payment confirmations, autopay notices); and 

• Other messages related to your FreeKick account and our services. 

Consent to receive text messages is not a condition of purchasing any goods or services from FreeKick or Austin Capital Bank. 

2. Message Frequency 

Message frequency varies based on your account activity, your account settings, and your interactions with us. 

3. Cost 

Message and data rates may apply to each text message sent to or received from us. FreeKick does not charge a separate fee for the Program; however, your mobile carrier’s message and data rates apply as provided in your mobile service plan. Please contact your mobile carrier or review your mobile service plan for details about these rates. 

4. How to Opt Out 

You may opt out of the Program at any time. To stop receiving text messages, text the word “STOP” to (717) 356-3439 from your enrolled mobile device. After you send “STOP,” you will receive one final text message confirming that you have been unsubscribed. After that, you will no longer receive text messages from the Program at that number. 

If you would like to rejoin the Program after opting out, text the word “START” or “JOIN” to (717) 356-3439 from your mobile device, and we will resume sending you text messages. 

Please note that opting out of the Program may affect your receipt of time-sensitive account notifications, including security and verification codes, delivered by text message. We may continue to communicate with you through other channels (such as email, mail, or telephone) as permitted by your account agreements and applicable law. 

5. How to Get Help 

For help with the Program, text the word “HELP” to (717) 356-3439, email us at help@freekick.bank, or call us at (833) 288-5004. 

6. Supported Carriers; Interruption of Service 

The Program is offered on major U.S. wireless carriers and may not be available on all carriers or all mobile devices. Carriers are not liable for delayed or undelivered messages. Delivery of text messages is subject to effective transmission by your mobile carrier and is outside of our control. We are not responsible for delayed, undelivered, or misdirected messages, including messages affected by network outages, coverage limitations, carrier filtering, or device limitations. 

7. Your Mobile Number 

You represent that you are the account holder of the mobile phone number you enroll in the Program, or that you have the account holder’s permission to enroll it. You agree to promptly notify us if you change, deactivate, or transfer your mobile phone number by updating your contact information in your FreeKick account or by contacting us using the methods in Section 5. Failure to notify us of a number change may result in messages intended for you being sent to another person. 

8. Eligibility 

To participate in the Program, you must be a resident of the United States, at least eighteen (18) years of age, and authorized to enroll the mobile phone number and to incur any message or data charges associated with participation. 

9. Privacy 

Information collected in connection with the Program is handled in accordance with our Privacy Policy, available at https://freekick.bank/privacy-policy/. We do not share your mobile opt-in consent or your mobile phone number with third parties or affiliates for their marketing purposes. We may use third-party service providers to send and receive text messages on our behalf and to administer the Program. 

10. Changes to the Program or These SMS Terms 

We may modify, suspend, or discontinue the Program, in whole or in part, at any time. We may also revise these SMS Terms from time to time; the most current version will be posted at https://freekick.bank/sms-terms-of-service/, and material changes will be indicated by an updated “Last Updated” date. Your continued participation in the Program after changes take effect constitutes your acceptance of the revised SMS Terms. 

11. Termination 

We may suspend or terminate your participation in the Program at any time, including if we believe you are in breach of these SMS Terms or if your mobile service terminates or lapses. 

12. Contact Us 

If you have questions about the Program or these SMS Terms, contact us: 

• Text: “HELP” to (717) 356-3439 

• Email: help@freekick.bank 

• Phone: (833) 288-5004 

Mail: Austin Capital Bank, Attn: FreeKick, 3305 Steck Ave, Suite 275, Austin, TX 78757