Introducing Percapita
Your partner in financial wellness
In an era where smartphones are practically an extension of our arms, convenience has become king. From shopping to ordering food and even managing our finances—everything is just a tap away.
What to know about Percapita
- What does having access to digital banking mean? Percapita is fully online—so there are no physical branches to visit. Instead, you can access digital banking services right from your phone or computer. With a Percapita Cash Account, your deposits are held by Sutton Bank and are eligible for FDIC insurance. From opening accounts to transferring money and managing your budget, everything is designed to be easy, convenient, and available wherever you are.
- How Percapita supports your financial goalsSince we’re fully digital, our app offers the kind of support you’d expect from a bank teller or customer service rep—our web-based chat service and phone number can be used to reach our customer service team—without having to stand in lines. We’ve also built in additional ways to support you, including:
- Free add-on Needs or Goals Accounts to help you set money aside with less stress. Instead of keeping a mental tally of what you’re saving for, you can create separate accounts, name them after what you're working toward, and move money in or out whenever you need. When it’s time to spend, just transfer the funds back into your Percapita Cash Account and you’re good to go.
- A Cash Cushion* that will allow your Percapita Cash Account to go negative up to $25, with no penalty fee. At Percapita, we understand life happens, and we don’t believe in penalizing you for it. Instead, we offer our Cash Cushion to support you, because your financial wellness matters to us. Plus, we don’t charge you overdraft fees.
- A Penny Jar feature that automatically rounds up debit card purchases to the nearest dollar and transfers the difference into your Needs or Goals Account. We’re all about making saving simple—not stressful. That’s why we created Penny Jar: a tool that helps you tuck money away effortlessly, because even the smallest amounts can make a big difference.
- Interactive money modules and quizzes that make learning about finances feel less like a chore. We don’t believe in throwing out complicated numbers and statistics. Our modules mirror real-life situations to help you build up your knowledge at a pace that works for you.
- How does Percapita keep your money safe?At Percapita, your safety comes first. We take protecting your money seriously and have multiple layers of security in place to keep your account secure:
- Encryption: We use advanced encryption to safeguard your data every time you make a transaction.
- Two-Factor Authentication (2FA): We add an extra step at login to make sure it’s really you—because peace of mind matters.
- Fraud Detection: Our systems are constantly monitoring for anything suspicious, so we can step in quickly if something doesn’t look right.
- Regulatory Compliance: We follow strict regulatory standards to deliver digital banking services you can trust.
We believe that managing your money should feel empowering—not overwhelming. Whether you’re setting goals, learning new habits, or just looking for a simpler way to stay on top of your finances, we’re here to make the process smoother. With tools designed for real life and support that’s always within reach, we’re proud to offer an experience that puts you—and your financial wellness—first.
Your money’s next move starts here. Join Percapita today.
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 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. SB-3853
*Cash Cushion is an optional, no-fee advance service provided by Percapita, available to Cash Accountholders who meet the eligibility requirements. Cash Cushion is only available for purchases made with your Debit Card or via the Bill Pay Service. Limit is $25, subject to eligibility. For more information, see the Terms of Use.
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