app-store-connectiphone-developer-program
iTunes Connect bank account issue
This is my first time experience in uploading an app on App Store.
The problem that I encountered is that my app is free with iAd. Do I have to set up a bank account in iTunes Connect before uploading it?
Solution
Yes, you have to. There is a specific iAd contract you need to sign, in iTunesConnect (Contracts, Taxes and Banking). See the image: 
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