Percapita

We simplify everyday finances

Percapita provides a secure platform to easily access and manage your money in an FDIC-insured deposit account. We make it easy for you to meet your financial goals all in one place.

Get started for freePercapita is not a bank. Percapita Group, Inc., is a digital company that provides access to products and services to help improve financial wellness. Percapita deposit accounts are provided by Sutton Bank, Member FDIC.

Secure. Safe. Affordable.

Percapita provides a secure platform to easily access and manage your money in an FDIC-insured deposit account. We make it easy for you to meet your financial goals all in one place.

  • No surprise or overdraft fees Learn more
  • Free tools to help you manage your money
  • Your money is safe with Percapita Learn more
Explore our products & services

Percapita is helping to improve the way money is accessed.

Financial wellness is feeling confident about how you manage your day-to-day finances. That's why whether you are looking to support your personal financial journey or help your employees, Percapita is for you!

Partner

Stand out in the market by partnering with Percapita to offer tools designed to help your employees become financially successful.

  • Offer early access to a portion of earned wages
  • Increase employee morale, retention and productivity
  • No-cost to partners
  • Quick and easy set up
Learn more about partnering with Percapita

Customer

Money is personal. That's why we've built a platform that provides access to products and services designed to make the way you manage your money personal, too.

  • No overdraft or hidden fees
  • No minimum balance
  • Over 40,000 fee-free ATMs
  • Free & low-cost financial wellness toolsLearn more
Learn more about Percapita for customers

Achieve your financial goals
using products and services designed to simplify your finances.

Cash Account
For only $3 a month

Buying groceries?

The Percapita Cash Account makes managing your everyday spending easy. Quickly access your cash in-store or online with your Percapita Visa® Debit Card or at the ATM.

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Percapita Pay
Available via employer partnership

Need money now?

View and access a portion of the wages you've already earned to help with cash emergencies in between pay cycles for a small per-transaction fee.

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Goals Account
Available with the Cash Account

Saving to buy a car?

If you have a Percapita Cash Account, you can start building your down payment or set aside funds for your long-term goals with a Goals Account.

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Needs Account
Available with the Cash Account

Rent is due?

No problem. If you have a Percapita Cash Account, you can open a Needs Account and easily set aside money for monthly expenses or other needs.

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Penny Jar
Available with the Cash Account

Save with every swipe

Enroll in our Penny Jar feature and we will round up each purchase made on your Percapita Visa Debit Card to the nearest dollar so you can start saving money automatically with every swipe!

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Cash Cushion
Available with the Cash Account

We’ve got you covered

Nothing feels worse than an overdraft fee. With the Percapita Cash Account you could qualify for our Cash Cushion, and be protected from overdrafts and hefty overdraft fees.

Learn more

Percapita Plays
Enjoy for free!

Learn and earn with Percapita Plays

An interactive game to help boost your knowledge about money matters! Earn points as you learn and compete against your friends and family to see who can rack up the most points.

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International transfers
Coming soon

Need to send money to friends and family?

Our low-cost International Transfer Service will allow you to send money outside the U.S. from your Percapita Cash Account.

Learn more

Partner

Partner with Percapita to help your employees improve their financial wellness and boost your workforce potential.

Become a partner

How to sign up

Let us guide you through the steps to get started. Your employees or members could be benefiting from Percapita in about four weeks’ time.

  1. Complete interest form

    Provide general information about your employees or members of your organization.
  2. Call with Percapita

    Schedule a call to answer any questions you have.
  3. Payroll integration & employee engagement

    We will customize a plan for a quick and easy setup.
  4. Benefit your employees at no cost to you

    We will provide all the materials to invite and onboard your employees or members.

Customer

Join today for access to a simplified way of managing your everyday finances and building your financial know-how.

Become a customer

About Percapita

Learn more about Percapita, our story, how we are different and why you should join us!

Support

Our Frequently Asked Questions (FAQ) can quickly answer most product-related questions, or get in touch with us by sending a message through our support page.

Use it everywhere

Download the Percapita app for Android and IOS to improve your financial wellness from anywhere.