Percapita

Financial products & servicescreated to simplify your everyday finances

Become a Percapita partner or customer and get access to an easier way to manage day-to-day finances with no surprise fees!

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What We Offer

Explore the products and services available as part of our package of financial wellness tools for you or your employees.

Free financial wellness tools

Gaming and more

Take our financial health quiz and play games to boost your knowledge about money matters. Earn points and compete with friends and family.

Early access to your pay

Percapita Pay

If your company partners with Percapita you could have access to Percapita Pay, a service that offers early access to your already-earned wages (up to $250) up to 4 times a month for a low fee of only $3 per transaction.

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Accounts for all your needs

Cash Account

The Percapita Cash Account is an FDIC-insured modern deposit account that makes managing everyday spending easy. Quickly access your money in-store or online with the 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.

Become a customer

Add the Goals & Needs Accounts
to help with budgeting and planning included in the $3 monthly fee

Goals Account

Add the Goals Account to create a safe place to put away money for future expenses, like a down payment for a car, money for college tuition or any other long-term savings goals. Because this account is not linked to your Percapita Visa Debit® Card, you can't accidentally spend the money you've set aside.

Needs Account

Open a Needs Account to easily set aside money intended for monthly expenses or other needs and be worry-free knowing you won't accidentally spend it since this account is not linked to your Percapita Visa Debit® Card.

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. 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. Visa is a registered trademark of Visa, U.S.A. Inc. All other trademarks and service marks belong to their respective owners.

Additional features
available with your Percapita Cash Account

Cash Cushion

Cash Cushion is an optional service that helps cover small overdrafts. Enroll in Cash Cushion to access up to a $25 spending cushion without being charged a penalty fee. Your Cash Account balance would be negative until you added more money to your account. Eligibility required.

Here is an example

If your Cash Account is down to $13 and you try to buy $20 worth of groceries your purchase would be approved at checkout with Cash Cushion.

Penny Jar

Start saving money automatically every time you use your Percapita Visa Debit Card. Have your purchase amount rounded up to the nearest dollar and automatically transferred from your Cash Account to your Needs or Goals Account.

How does it work?

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.

International Transfers
Coming soon

With Percapita's low-cost International Transfer feature you can easily send money to friends and family outside the U.S. from your Percapita Cash Account. This safe and secure feature allows you to see transaction fees and exchange rates up front without any surprises.

Available as part of Percapita's Cash Account, you can easily send money to friends and family outside the U.S.

Financial Wellness Tools

Enjoy for free!
  1. My Money Journey

    Take our financial health quiz and play games to boost your knowledge about money matters. Earn points and compete with friends and family.

  2. Percapita Plays

    Dive into this interactive game to see how many points you can earn while boosting your knowledge of money matters. Compete against friends family and coworkers to see who can rack up the most Percapita Points!

Become a customer

Percapita Pay

Percapita's Earned Wage Access (EWA) allows employees to access an upfront portion of their already-earned wages (up to $250) up to 4 times a month for a low $3 fee per request at no cost to the organization.

94% of hourly workers said access to their pay before payday would be helpful.
KPMG Payments Research, Dec. 2020
Four simple steps to offer Percapita Pay
  1. Company enrollment

    Learn how to become a Percapita Partner in four easy steps.

  2. Payroll provider connectivity

    Percapita seamlessly integrates with most payroll and timekeeping providers for a quick and easy setup.

  3. Employees sign up

    Percapita's easy-to-use app allows employees to designate a bank account or debit card of choice to receive their early pay.

  4. Receive the money

    Earned wages can be received within 15 minutes.

Become a Percapita Customer or a Partner

Learn about our financial products and services for yourself or as a benefit for your employees or members.

Use it everywhere

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