A smarter way to
spend, budget, and plan
Introducing your favorite new spending account with the Percapita Visa® Debit Card and these budgeting & savings tools included:
Free tools to help you budget and save.
Track your spending, set up debit round up to save automatically1 and put your spare change to work with our all-in-one money app.
No hidden fees, penalty charges or complicated hoops.
Enjoy no monthly fees, no penalty fees2, and access to a portion of your pay before payday.3
One digital app to help your money work for you.
Earn cash back rewards4, build credit with rent reporting, send money abroad, and get help with taxes, all in your pocket.
The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted.
1Penny Jar is an optional program provided by Percapita, not Sutton Bank.
2For purposes of this disclosure, ‘penalty fees’ are defined in accordance with CFPB guidance as charges assessed for violating account terms (e.g., overdrawing, returned items, inactivity, or early closure), rather than for the use of optional or requested services.
3Percapita Pay is powered by Immediate and offers early access to your already-earned wages (up to $250) up to 4 times a pay period to employees of participating employers. Fees may apply.
4Terms apply; See full details and promotional disclosure.
Percapita Cash Account
for your spending
Simplify your finances with the Percapita Cash Account with no monthly fee.
Upon opening, you’ll unlock a range of complimentary features to help you meet your goals:
Access to 40,000+ fee-free ATMs
A Percapita Visa® Debit Card for easy payments and tracking your spending.
Additional no-cost benefits.
Percapita Group, Inc. is a digital company that provides access to products and services to improve financial wellness. Percapita is not a bank. Percapita deposit accounts are provided by Sutton Bank, Member FDIC. The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted.
Keeping your money
safe and secure
Download the Percapita app and open your Cash Account for access to our all-in-one app that helps you see exactly what's happening with your money with real-time notifications and card controls.
Get Started for Free*Percapita deposit accounts are provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and determinations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at www.fdic.gov.
Financial Wellness
for everyone
Financial wellness is about feeling secure and in control of your money, both now and for the future. It means being able to comfortably pay your bills, handle unexpected expenses, and work towards your long-term goals.
Make your financial life easier with our tools included for every Percapita app user with a Cash Account.
Free implementation
Offer a valuable employee benefit without impacting your budget.
Earned wage access
Provide employees with flexible access to their earned wages before payday.
Financial wellness tools
Equip your team with resources to manage their finances confidently.
Set up made easy
Our team handles onboarding, support, and engagement so you don’t have to.
Real support, when you need it.
Get help from real people—no long wait times. Our US-based, bilingual customer support team is here to answer your questions about your Percapita account, with fast responses by phone, email, or in-app chat.
Reach out for quick, reliable support with your account, debit card, or financial tools.
We are
Percapita
At Percapita, we put people first—always. We’re here for the hourly employees, the paycheck-to-paycheck earners, and anyone who’s ever felt left out by traditional banks.
No hidden fees. Just real tools to help you spend smart, save better, and build toward the life you deserve. We believe financial systems should work for you—not against you.
Check out our blogs1 Penny Jar is an optional program provided by Percapita, not Sutton Bank.
2 Cash Cushion is an optional, no-fee advance service provided by Percapita. Subject to eligibility.
3 Percapita Pay is powered by Immediate and offers early access to your already-earned wages (up to $250) up to 4 times a pay period to employees of participating employers. Fees may apply.
4 PayMitto is a technology provider and not a bank or other regulated financial institution. All regulated international transfer services associated with PayMitto are provided by The Bancorp Bank, N.A. Terms and conditions apply.
