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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, overdraft charges or complicated hoops.
Enjoy no monthly fees, no overdraft fees, and access to a portion of your pay before payday.2
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.
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:
A Percapita Visa® Debit Card for easy payments and tracking your spending.
Access to 40,000+ fee-free ATMs
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.
Goals Account
Dream home, unlocked!
+$5,000
Set money aside for your future goals, no matter what they are.
Keep this money separate from everyday spending—name the goal and add money until you reach it.
Simple budgeting and personal finance tools that help you save money for what matters most.
available with your Cash Account
Needs Account
Weekend Getaway
+$45
Set money aside for future financial needs so you’re always prepared.
Keep these funds separate from your daily spending—name the need and add money until you have it covered.
Simple budgeting and personal finance tools that help you save money for what matters most.
available with your Cash Account
Penny Jar1
It’s adding up!
+$0.89
Save money automatically every time you use your Percapita Visa® Debit Card.
Your purchases will round up to the nearest dollar, and the difference is deposited into your Needs or Goals Account.
Boost your savings and stay on track with your budgeting goals.
available with your Cash Account
Cash Cushion2
Insufficient funds... not today
+$25
Give yourself a spending safety net with protection from overdraft fees.
Turn on Cash Cushion to let your Cash Account go negative—up to $25—without worrying about embarrassing declines. Our digital banking app will never charge you hidden fees.
Cover small expenses and avoid declined transactions with a built-in spending cushion.
available with your Cash Account
Percapita Pay3
Emergency resolved!
+$250
Give yourself a portion of your paycheck before payday.
Access up to $250 of your pay before payday up to four times per pay period.3 Fees may apply.
Available if your company engages with Percapita
Bill Pay
No interruptions.
-$34.99
Organize and pay your bills online, all in one place.
Schedule one-time or automatic bill payments so your bills are always paid on time.
Stay in control of your finances.
available with your Cash Account
International Transfers
A little somethin’ for dad.
-$500
Send money abroad quickly and securely with our international money transfer feature.
Transfer funds to select countries outside the U.S. in just a few taps.
No lines, no confusing paperwork, and no hidden fees.
available with your Cash Account
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 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.
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
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
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
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
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
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
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.
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 your organization with an all-in-one financial wellness benefit.
Boost satisfaction, productivity, and retention—at no cost to your organization.
Invest in your team’s financial health and your organization's future.
Offer a valuable employee benefit without impacting your budget.
Provide employees with flexible access to their earned wages before payday.
Equip your team with resources to manage their finances confidently.
Our team handles onboarding, support, and engagement so you don’t have to.
Offer a valuable employee benefit without impacting your budget.
Provide employees with flexible access to their earned wages before payday.
Equip your team with resources to manage their finances confidently.
Our team handles onboarding, support, and engagement so you don’t have to.
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
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.
customerservice@percapita.com
(888) 302-5055
Monday-Friday 9a-8p EST and Saturday & Sunday 12p-4p EST
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. International Transfer services provided by Brightwell, a technology provider and not a bank or other regulated financial institution.
The Percapita Cash Account makes managing your everyday spending easy. Set up direct deposit and quickly access your cash in-store or online with your Percapita Visa® Debit Card or at the ATM. Plus, once you open your Percapita Cash Account, you’ll have access to other products and services and specially designed tools to help with budgeting and saving for the future.
The Percapita Cash Account makes managing your everyday spending easy. Set up direct deposit and quickly access your cash in-store or online with your Percapita Visa® Debit Card or at the ATM. Plus, once you open your Percapita Cash Account, you’ll have access to other products and services and specially designed tools to help with budgeting and saving for the future.
Percapita's Goals Account is an optional savings account that can be added if you have a Cash Account. It gives you another safe place to keep money you want to put away to spend on things further in the future. You can start building your down payment or set aside funds for your long-term savings goals with this Account.
There is no additional fee for adding this account.
With the Goals Account you can set aside money for future financial goals or for a rainy day. Plan for future expenses, like buying a car or taking a vacation.
Percapita's Needs Account is an optional savings account that can be added if you have a Cash Account. It gives you another safe place to keep money you want to put away to spend on short-term things. You can set aside money that you need for things like rent, utilities, etc.
There is no additional fee for adding this account.
If you have a Percapita Cash Account, you can open a Needs Account.
Enroll in our Penny Jar feature and we will round up each purchase made on your Percapita Visa Debit Card to the nearest dollar. You can keep the change in your Cash Account or transfer it to a Needs or Goals Account.
You need a Percapita Cash Account in order to activate Penny Jar.
For example, if you buy a cup of coffee for $4.25 with your Percapita Visa Debit Card, we will round up $0.75 into the destination account of your choice.
Nothing feels worse than an overdraft fee. With the Percapita Cash Account you could qualify for Cash Cushion and be protected from overdrafts and hefty overdraft fees. Turning on the Cash Cushion will allow you to go negative up to $25 if you don't have enough money in your account to cover a purchase.
If your Cash Account is down to $13 and you try to buy $20 worth of groceries, without the Cash Cushion, your transaction will be declined. But if you were enrolled your purchase would be approved at checkout.
Your Cash Account balance will remain negative until you make a deposit or transfer to bring it to a $0 or positive balance.
Cash Cushion will only work with debit card purchases.
Available as part of Percapita Cash Account you can easily send money to friends and family outside the U.S. Safe, secure and with transparent pricing, You will be able to see transaction fees and exchange rates up front, so you will know exactly how much money will be sent without any surprises.
Fill out this form to request a meeting with a Percapita representative and learn more about offering great financial products and services to your employees. You can also learn more on our Partner page.
