Netspend All Access Overdraft Limit
Eberardo Topher
Porte is a mobile banking app with the service you love. We designed Porte with the idea that banking has a purpose, and transparency in banking is our primary focus. Porte works with Pathward, National Association, to bring you a premium mobile banking experience that provides the access, products, and features you need.
Porte is a deposit account established by Pathward, N.A., and funds on deposit in your Account are FDIC insured3 through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, N.A. will be aggregated up to the coverage limit, currently $250,000.
Download your Direct Deposit form in the Porte app2 and provide to your employer, or set up directly in the app in just a few taps!6 You can also access your account and routing numbers under Account Info in the user profile.
There is no fee to enroll in the optional Overdraft Service. However, you may incur fees when you use the service. Once you overdraft, if you bring your account back to a positive balance within 24 hours, no fee is charged. After 24 hours, you will be charged a $20 fee per transaction that overdrafts your account by more than $10.
The security of your account is of the utmost importance to us. We actively monitor security concerns around the globe and, as of October 2022, allow access to the Porte app from the following countries: Aruba, Australia, Bahamas, Barbados, Belgium, Belize, Bermuda, Canada, Cayman Islands, Costa Rica, Denmark, Dominican Republic, El Salvador, France, Germany, Greece, Guatemala, Honduras, Iceland, India, Ireland, Italy, Jamaica, Mexico, Netherlands, Norway, Panama, Portugal, Spain, Sweden, Switzerland, Trinidad and Tobago, United Kingdom, United States, United State Minor Outlying Islands, Virgin Islands (British), and U.S. Virgin Islands. Please note, new Porte accounts may be created in the United States only at this time and we may, from time to time and without notice, remove countries from this list.
All Porte members will be eligible for a Savings Account with 0.20% APY. Porte also offers Bonus Savings, where members can earn more interest. In order to receive up to 3.00% APY14 on savings balances for the first $15,000, Porte members must meet the following criteria each calendar quarter:
No, you do not have to enroll in or sign up for the program. The benefits of the program are automatically available to all eligible accountholders. To maintain eligibility, you must use your account in accordance with the terms and conditions of your Deposit Account Agreement and the terms and conditions of this program. You may opt out at any time if you do not wish to participate in the program.
No. Participating in the Porte Perks program and earning cash back rewards is a no-fee benefit available to all eligible accountholders after account opening. Please refer to your Deposit Account Agreement for any fees that may apply to debit card transactions when using your card.
No. Porte does not share your personal information with the merchant providing a perk. When you activate a perk and make a transaction with your Porte card, the merchant does not know you are participating in this program.
No, there is no additional cost to support a charity in #DoorToChange. You have the option to select or change a charity selection at any time through the Porte app. Populus Financial Group will donate an amount equal to 0.05% of each purchase that you make with your debit card to the charity that you have selected, subject to certain conditions described in the app or at account opening.
For debit card transfers, fees and limits apply. Funds transfer typically within minutes, but may take up to two business days in certain circumstances. See Account Agreement for Details. Bank Transfer is a money transfer service provided by Ouro Global, Inc. (NMLS# 906983). See netspend.com/licenses.
Make up to $500 in fee-free cash withdrawals per day from your Porte account by using your debit card at participating ACE Cash Express locations. $500 total is calculated based on all withdrawals performed at all ACE Cash Express locations visited in a day. A direct deposit (no dollar minimum) to the account within the immediately preceding thirty-five (35) days is required. See store for details. Although this feature is available at no additional charge with qualifying direct deposit, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. Offer subject to change. This optional offer is not a Pathward, N.A., or Visa offer nor does Pathward, N.A., or Visa endorse this offer.
The optional Savings Account linked to your designated Porte account is made available to Accountholders through Pathward, National Association, Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
The interest rates and APYs of each tier may change. The APYs were accurate as of 07/2024. No minimum balance to open Savings Account. Savings Account funds are withdrawn through the Porte Account and transaction fees could reduce the interest earned on the Savings Account. See the Savings Account Agreement for more details. Funds on deposit are FDIC insured through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, National Association, will be aggregated up to the coverage limit, currently $250,000.00.
The Debit Card Overdraft Service is an optional service made available to eligible PORTE customers by Pathward, National Association. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Transactions subject to an overdraft fee are signature and PIN purchase transactions and ATM transactions. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Call us at 1-800-267-7080 or log in to your Mobile App for additional terms and conditions that apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service. amounts on your account even if you opt-out of the service.
By activating and using a Porte Account, your participation in the rewards program is automatically activated. However, you may opt-out of the program at any time by visiting the Porte Perks page within the Porte App. The reward offers we choose and send to you are based on your shopping habits. We will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a rewards program customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs and program terms and conditions. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. Program sponsor: Ouro Global, Inc. Pathward, National Association, and Visa are not affiliated in any way with the program and neither endorses nor sponsors it.
After selecting a charity through your Mobile App, Populus Financial Group will donate an amount equal to 0.05% of every debit card purchase transaction, subject to certain terms and conditions described in the mobile app, made with your Porte Debit Card to a charity selected by you through the Mobile App. Ouro Global, Inc., Pathward, National Association, and Visa are not affiliated in any way with this offer and do not endorse or sponsor this offer.
Porte is a deposit account established by Pathward, National Association, Member FDIC, and the Porte Debit Card is issued by Pathward, N.A., pursuant to a license from Visa U.S.A. Inc. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Card may be used everywhere Visa debit cards are accepted.
Serve is made with you in mind, with flexible options to fit your life. With a suite of options to choose from, Serve allows you to handle your money with ease. Our cards give you the freedom to spend online or in stores, the protection to safeguard your money, and the convenience of easy access:
Get rewarded with unlimited 1% cash back when you spend money in stores or online.1bFootnote The funds are immediately available to add to your Account, so you don't have to wait to enjoy the rewards. Earn money as you spend money.
This card gives you the freedom to spend when and where you want, on your own terms. With no hidden or monthly charges, you only pay a small fee when you make a purchase. Know what you pay and pay as you go.
Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Visa, and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.
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