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  <xs:element id="cash_PaymentCardandDepositFeesMember" abstract="true" name="PaymentCardandDepositFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_DividendsAndUndistributedEarningsAllocatedToParticipatingSecurities" abstract="false" name="DividendsAndUndistributedEarningsAllocatedToParticipatingSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_DirectFinancingLeaseUnamortizedInitialDirectCosts" abstract="false" name="DirectFinancingLeaseUnamortizedInitialDirectCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_NonBankQualifiedObligationsOfStatesAndPoliticalSubdivisionsAvailableForSale" abstract="false" name="NonBankQualifiedObligationsOfStatesAndPoliticalSubdivisionsAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_ObligationsOfStatesAndPoliticalSubdivisionsAvailableForSale" abstract="false" name="ObligationsOfStatesAndPoliticalSubdivisionsAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_PaymentsForProceedsFromMortgageLoansHeldforsale" abstract="false" name="PaymentsForProceedsFromMortgageLoansHeldforsale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_PaymentsforProceedsfromLoansandLeaseReceivable" abstract="false" name="PaymentsforProceedsfromLoansandLeaseReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_CommercialMember" abstract="true" name="CommercialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_NumberofInvestmentCommitments" abstract="false" name="NumberofInvestmentCommitments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cash_SmallBusinessAdministrationSecuritiesAvailableForSale" abstract="false" name="SmallBusinessAdministrationSecuritiesAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_GainLossesonSaleofForeclosedAssets" abstract="false" name="GainLossesonSaleofForeclosedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_GainLossOnSaleOfSecuritiesAvailableForSaleMember" abstract="true" name="GainLossOnSaleOfSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_TaxProductLoansExpenseIncome" abstract="false" name="TaxProductLoansExpenseIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_ForeclosedPropertyMember" abstract="true" name="ForeclosedPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_WatchMember" abstract="true" name="WatchMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_CommunityBankingLoansMember" abstract="true" name="CommunityBankingLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_RangeOfEstimatedSellingCost" abstract="false" name="RangeOfEstimatedSellingCost" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="cash_SalesTypeAndDirectFinancingLeasesLeaseReceivableToBeReceivedAfterYearFour" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivableToBeReceivedAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_OtherConsumerFinanceSBAUSDAAndConsumerCreditProductLoansMember" abstract="true" name="OtherConsumerFinanceSBAUSDAAndConsumerCreditProductLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_NationalLendingMember" abstract="true" name="NationalLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_CardLimitedLLCv.MetaBankdbaMetaPaymentSystemsMember" abstract="true" name="CardLimitedLLCv.MetaBankdbaMetaPaymentSystemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_DepositsIncludingDepositsHeldforSale" abstract="false" name="DepositsIncludingDepositsHeldforSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_IssuanceofCommonStockDuetoEmployeeStockOptionPlan" abstract="false" name="IssuanceofCommonStockDuetoEmployeeStockOptionPlan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_GainLossOnDivestituresMember" abstract="true" name="GainLossOnDivestituresMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_LoansWithoutSpecificValuationAllowanceAbstract" abstract="true" name="LoansWithoutSpecificValuationAllowanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cash_ImpairmentOfAssetsHeldForSale" abstract="false" name="ImpairmentOfAssetsHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_FinancingReceivableNonaccrualLoansMember" abstract="true" name="FinancingReceivableNonaccrualLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_PaymentsToAcquireFederalReserveBankAndFederalHomeLoanBankStock" abstract="false" name="PaymentsToAcquireFederalReserveBankAndFederalHomeLoanBankStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_ProceedsfromRepaymentsofFederalFunds" abstract="false" name="ProceedsfromRepaymentsofFederalFunds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_TermLendingMember" abstract="true" name="TermLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_ScheduleofLoansPurchasedandSoldbyPortfolioSegmentTableTextBlock" abstract="false" name="ScheduleofLoansPurchasedandSoldbyPortfolioSegmentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="cash_LoansHeldforSaleMember" abstract="true" name="LoansHeldforSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_EffectiveIncomeTaxRateReconciliationIRC162mNondeductibleCompensation" abstract="false" name="EffectiveIncomeTaxRateReconciliationIRC162mNondeductibleCompensation" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_ScheduleOfForeclosedRealEstateAndRepossessedAssetsTableTextBlock" abstract="false" name="ScheduleOfForeclosedRealEstateAndRepossessedAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="cash_NonMarketableEquitySecurities" abstract="false" name="NonMarketableEquitySecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_LoansHeldforInvestmentMember" abstract="true" name="LoansHeldforInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_OneToFourFamilyResidentialMortgageLoansMember" abstract="true" name="OneToFourFamilyResidentialMortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_AccumulatedDepreciationDepletionandAmortizationRentalEquipment" abstract="false" name="AccumulatedDepreciationDepletionandAmortizationRentalEquipment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_OperatingLeaseEquipmentDepreciationExpense" abstract="false" name="OperatingLeaseEquipmentDepreciationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_ReallocationOfUndistributedEarningsToNonvestedRestrictedStockholders" abstract="false" name="ReallocationOfUndistributedEarningsToNonvestedRestrictedStockholders" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_LeasingandEquipmentFinanceNoninterestIncome" abstract="false" name="LeasingandEquipmentFinanceNoninterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_RentalEquipmentInitialDirectCosts" abstract="false" name="RentalEquipmentInitialDirectCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_DisposalGroupIncludingDiscontinuedOperationsNonrecurringIncome" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationsNonrecurringIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_SmallBusinessAdministrationSecuritiesMember" abstract="true" name="SmallBusinessAdministrationSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_DisposalGroupIncludingDiscontinuedOperationsNonrecurringExpense" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationsNonrecurringExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_LeaseFinancingMember" abstract="true" name="LeaseFinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_CommercialAndMultifamilyRealEstateLoansMember" abstract="true" name="CommercialAndMultifamilyRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_COVID19PandemicMember" abstract="true" name="COVID19PandemicMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_NetEarningsPerCommonShareAbstract" abstract="true" name="NetEarningsPerCommonShareAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cash_FranchiseTaxesPaid" abstract="false" name="FranchiseTaxesPaid" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_CommonEquitiesAndMutualFundsAvailableForSale" abstract="false" name="CommonEquitiesAndMutualFundsAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_ProceedsFromSaleOfFederalReserveBankAndFederalHomeLoanBankStock" abstract="false" name="ProceedsFromSaleOfFederalReserveBankAndFederalHomeLoanBankStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_RentalEquipmentGross" abstract="false" name="RentalEquipmentGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_DirectFinancingLeaseandSalestypeLeaseResidualValueofLeasedAsset" abstract="false" name="DirectFinancingLeaseandSalestypeLeaseResidualValueofLeasedAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_ConsumerMember" abstract="true" name="ConsumerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_PaymentsForProceedsFromEquipmentOnLease" abstract="false" name="PaymentsForProceedsFromEquipmentOnLease" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_TransferofDepositstoHeldforSale" abstract="false" name="TransferofDepositstoHeldforSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_OtherConsumerFinanceMember" abstract="true" name="OtherConsumerFinanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_ForeclosedAssetsMember" abstract="true" name="ForeclosedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_PaymentsforProceedsfromFederalHomeLoanBankAndOtherBorrowings" abstract="false" name="PaymentsforProceedsfromFederalHomeLoanBankAndOtherBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_SBAUSDAAndConsumerCreditProductLoansMember" abstract="true" name="SBAUSDAAndConsumerCreditProductLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_OtherRealEstateOwnedSaleOfOtherRealEstateExpense" abstract="false" name="OtherRealEstateOwnedSaleOfOtherRealEstateExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_CommunityBankMember" abstract="true" name="CommunityBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_RentalIncomeMember" abstract="true" name="RentalIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_ImpairedLoansMember" abstract="true" name="ImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_CommercialRealEstateandOperatingMember" abstract="true" name="CommercialRealEstateandOperatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_OtherCommercialFinanceMember" abstract="true" name="OtherCommercialFinanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_RefundTransferFeesMember" abstract="true" name="RefundTransferFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_LoanRestructuringTrialModificationsPaymentDeferralPeriod" abstract="false" name="LoanRestructuringTrialModificationsPaymentDeferralPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cash_TransferofOtherAssetstoHeldforSale" abstract="false" name="TransferofOtherAssetstoHeldforSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_AgriculturalLoansMember" abstract="true" name="AgriculturalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_LoansAbstract" abstract="true" name="LoansAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cash_TransferOfRentalEquipmentToLoansAndLeases" abstract="false" name="TransferOfRentalEquipmentToLoansAndLeases" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_OriginationsofLoansHeldforsale" abstract="false" name="OriginationsofLoansHeldforsale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cash_OtherRevenuesforFinancialAssetsandLiabilitiesMember" abstract="true" name="OtherRevenuesforFinancialAssetsandLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_FactoringMember" abstract="true" name="FactoringMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="cash_LoanRestructuringTrialModificationsThresholdOfPastDueDaysPriorToOnsetOfPandemicEffects" abstract="false" name="LoanRestructuringTrialModificationsThresholdOfPastDueDaysPriorToOnsetOfPandemicEffects" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cash_TransferOfLoansAndLeasesToRentalEquipment" abstract="false" name="TransferOfLoansAndLeasesToRentalEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
