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your way

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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

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.

Free Tools

No hidden fees, overdraft charges or complicated hoops.

Enjoy no monthly fees, no overdraft fees, and access to a portion of your pay before payday.2

Free Tools

One digital app to help your money work for you.

Earn cash back rewards3, 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.

2Percapita 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.

3Terms apply. See full details and promotional disclosure.

Get started

One app to manage it all.

$0 monthly fees
$0 overdraft fees*
$0 minimum balance fees
40,000+ fee-free ATMs

*Cash Cushion is an optional, no-fee advance service provided by Percapita. Subject to eligibility. See the Terms of Use.

Your pay when you need.

Get your pay before payday—up to $1,000 per pay period.

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.

Your taxes planned and filed.

Plan your taxes anytime. File with ease and no surprise fees.

The Tax Filer and Planner tool is powered by April Tax Solutions, Inc., a third party, available within the Percapita app, and in English only.

Your money with no overdraft.

We’ll spot you up to $25 when you’re running low*. We’ll never charge you overdraft fees.

*Cash Cushion is an optional, no-fee advance service provided by Percapita. Subject to eligibility. See the Terms of Use.

Your money sent overseas.

Safely send money abroad with our low-cost transfer service.

International Transfer services provided by Brightwell, a technology provider and not a bank or other regulated financial institution.

Your budget simplified.

Use our fee-free budgeting tools to stay on track and meet your goals.

Build credit.

Get credit for the rent you already pay on-time.*

* Powered by Rock the Score, a third party provider.

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:

Debit Card

A Percapita Visa® Debit Card for easy payments and tracking your spending.

Free ATM

Access to 40,000+ fee-free ATMs

No Cost

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.

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+$5,000

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+$45

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+$0.89

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+$25

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+$250

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-$34.99

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-$500

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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.

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Percapita Plays

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Percapita Plays

Dive into this interactive game to see how many points you can earn while boosting your knowledge of money matters.

See how much you can score while learning about personal finance, budgeting, and smart money habits.

Included for all Percapita App Users

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Tax Planner

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Tax Planner

A new tax planner feature designed to help you take control of your taxes with ease. Powered by April Tax Solutions, this tool lets you estimate your tax refund, optimize your paycheck, and explore every tax deduction and credit available.

Plan taxes ahead, avoid surprises during tax season, and file directly in the Percapita app for a stress-free, no hidden fees experience. The Tax Planner is only available in English.

The Tax Planner tool is powered by April Tax Solutions, Inc., a third party, and is available in English only within the Percapita app. Percapita does not provide tax, legal, or accounting advice. SB-107

Included for all Percapita App Users

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FIXED FEE
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Tax Filer

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Tax Filer

Easily file your taxes online with the new Tax Filer tool, powered by April, now available in the Percapita app!

Save time with automatic tax data imports for accurate filing, and use our tax refund estimator to maximize your refund with simple, in-app tax filing. File taxes fast and stress-free without leaving the app—just upload your details and get the best refund possible!

The Tax Filer tool is powered by April Tax Solutions, Inc., a third party, and is available in English only within the Percapita app. Percapita does not provide tax, legal, or accounting advice. SB-107

Included for all Percapita App Users

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Everyday spending just got a raise.
Get up to $300*

Spend $300 a month with your Percapita Visa® Debit Card and get $25 cash back—every month for a year. That’s up to $300 cash back, just for using your card.*

LEARN MORE

*Terms apply. Offer valid for eligible users. See full promotional details and disclosure

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.

Percapita for organizations.

Your organization runs better when your people aren’t stressed about money. Give them access to a bilingual app that supports their financial wellness.

Empower

Empower your organization with an all-in-one financial wellness benefit.

Boost

Boost satisfaction, productivity, and retention—at no cost to your organization.

Invest

Invest in your team’s financial health and your organization's future.

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Free implementation

Offer a valuable employee benefit without impacting your budget.

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Earned wage access

Provide employees with flexible access to their earned wages before payday.

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Financial Wellness Tools

Equip your team with resources to manage their finances confidently.

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Set up made easy

Our team handles onboarding, support, and engagement so you don’t have to.

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Free implementation

Offer a valuable employee benefit without impacting your budget.

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Earned wage access

Provide employees with flexible access to their earned wages before payday.

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Financial Wellness Tools

Equip your team with resources to manage their finances confidently.

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Set up made easy

Our team handles onboarding, support, and engagement so you don’t have to.

Money tips for
your life

Our blog offers simple tips and advice to help you save smarter, spend wisely, and plan for the future. Ready to take the first step? Start building a brighter financial future today!

Check out our blogs
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Money Tips Illustration

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.

Email

customerservice@percapita.com

Phone

(888) 302-5055

Clock

Monday-Friday 9a-8p EST and Saturday & Sunday 12p-4p EST

Send us a message

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 blogs

1. 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. International Transfer services provided by Brightwell, a technology provider and not a bank or other regulated financial institution.