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Cha-ching!
This month's eggs are on us.
+$25
Percapita is not a bank. Percapita Group, Inc., is a digital company that provides access to products and services to help improve financial wellness.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.
Everyday spending, but make it rewarding.
With Percapita, every dollar you spend can earn you rewards. Enjoy a $25 cash back incentive each month you spend $300 or more during your first year, making your financial wellness journey even more rewarding!*
Get startedNo hidden fees. No complicated hoops. Just a simple way to earn money back on everyday spending.*
Download the app and open an account for free, in minutes.
On groceries, gas, cheesesteak—whatever.
Deposited straight into your account.
Psst-this happens for your first full year!
TL;DR the fine print (that we think you’ll be fine with)
We believe in keeping things clear, simple, and upfront. No confusing terms, no hidden fees—just rewards that make sense. Here’s what you need to know:
Spend $300 a month, get $25 back. Earn up to $300 in your first year just by using your Percapita Visa® Debit Card for everyday purchases.*
No hidden fees. Ever. That means no account fees, no minimum balance requirements, and no surpises.
Safe & Secure. Your personal information is protected with multi-layer encryption security and your money is FDIC insured up to $250,000.+
BONUS! Get $10 when you open a Goals Account in your first 30 days—on us!*
+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.Why open an account?
Percapita is built for people who want access to simple and rewarding digital banking services. No complicated jargon, no surprise fees, just a better way to manage your money.
No-hassle banking1
Set up direct deposit, access 40,000+ fee-free ATMs, and manage everything in-app.
Easy budgeting tools
Budget effectively by setting aside funds for monthly expenses or saving towards long-term goals.
Protection from overdrafts
Access a $25 spending cushion to cover small overdrafts without incurring penalty fees.2
Automated saving
Enable Penny Jar3 to round up each purchase to the nearest dollar, transferring the difference into your Goals Account.
1 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. 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
2 Cash Cushion is an optional, no-fee advance service provided by Percapita, available to Cash Account holders 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. Cash Cushion is provided by Percapita, and not Sutton Bank.
Terms of Use. 3 Penny Jar is an optional program provided by Percapita, not Sutton Bank.
FAQs
Common cash back incentive questions
How does the incentive work?
Just spend at least $300 a month using your Percapita Visa® Debit Card, and you’ll automatically earn $25 cash back every month—for up to a full year. This means you can earn up to $300 annually just by making your usual purchases.*
How long does the offer last?
The incentive program is available to the first 3,200 new Percapita Cash Account holders and runs for your first 12 months of banking with Percapita.* After that, you’ll still have access to our fee-free banking, budgeting tools, and other in-app features.
The first 3,200 new Percapita Cash Account holders are eligible. Simply use your Percapita Visa® Debit Card, meet the monthly spending requirement ($300/mo) and earn $25/mo for your first 12 months as a Percapita account holder.* It's designed to benefit those who are already spending wisely!
Signing up is easy! It only takes a few minutes. Start by clicking “Get Started”, download the app, enter some basic info, open and fund your account and boom—you’re ready!
Are there any hidden fees?
We don’t believe in surprise fees—but like most accounts, there are a few standard charges for things like card replacement, foreign transactions, or stop payments. Nothing sneaky, and you’ll always know what to expect. For full details, check out our Account Agreement.
What counts as “spending” toward the $300 incentive?
Pretty much anything—groceries, gas, coffee runs, subscriptions. Most of your everyday purchases made with Percapita Visa® Debit Card counts, but there are a few things we have to legally exclude, like online betting. Check the disclosure to see the full (but limited) list of things that aren’t included.
