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Direct Deposit benefits
Get paid up to 2 days faster1
Everyone loves payday! Now you can access your hard-earned paycheck up to 2 days faster1 with Direct Deposit.
Open a Porte Account to start getting paid up to 2 days faster.
Get your paycheck up to 2 days faster1 with Direct Deposit.
Many banks hold your paycheck until the scheduled payment date from your employer. We're breaking tradition. With Direct Deposit your paycheck is available to you as soon as the bank receives it. You could be enjoying your payday up to two days faster!1
How to set up Direct Deposit?
Download your Direct Deposit form from the Porte app.2 Give the form to your employer and you’re done. When your Direct Deposit setup is complete, you’ll have your paychecks up to 2 days before your co-workers.
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Download Direct Deposit form
Find it in the mobile app along with other account info.
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Give to your employer
Fill out your form and your employer or payer will handle the rest.
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Get paid up to 2 days faster with Direct Deposit!1
Start saving, paying bills, or treating yourself sooner.
Unlock all Porte has to offer with Direct Deposit
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Optional Savings Account
$0 minimum to open. Start putting your money to work and earn up to 3.00% APY3 in an optional savings account. The Porte Savings Account qualifications are changing. Click here to read program terms that will take effect 1/1/2022.
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Optional Overdraft Service4
Mistakes happen - we get that. Porte gives you 24 hours to pay back an overdraft in order to avoid overdraft fees.
signup section
Open a Porte Account to start getting paid up to 2 days faster.1
Apply for an account from the Porte app.2 No credit check required.5
Get The APP
Porte is a mobile finance app, not a bank. Banking services provided by Metabank,® National Association, Member FDIC.
Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
Standard data rates, fees, and charges may apply.
The optional Savings Account linked to your designated PORTE account is made available to Accountholders through MetaBank, National Association, Member FDIC. To open a Savings Account, consent to receive communications from us in electronic form is required. For Savings Accounts opened prior to 12/31/21, you must receive direct deposit(s) totaling at least $1,000 within one (1) calendar month to be eligible to open a Savings Account. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
Variable Rate: Interest Rate through 12/31/2021– Tiered Variable Rate:
If the Average Daily Balance is $15,000.00 or less, the interest rate paid on the entire balance will be 2.97% with an annual percentage yield (APY) of 3.00%.
An interest rate of 0.49% will be paid only for that portion of your average daily balance that is greater than $15,000.00. The APY for this tier will range from 3.00% to 0.50% depending on the balance in the Savings Account.
Variable Rate effective 01/01/2022: Bonus Interest Rate – Tiered Variable Rate:
An interest rate of 0.20% will be paid on your average daily balance with an APY of 0.20%.
Additionally, the optional Porte Savings account allows you to earn a higher interest rate of 2.97% with an APY of 3.00% on an average daily balance of up to $15,000 during a calendar quarter if you (i) receive at least $3,000 in Qualifying Direct Deposits (as defined below) into your Porte Spending Account in that calendar quarter, AND (ii) make at least fifteen (15) Qualifying Debit Card Purchase Transactions (as defined below) from your Porte Spending Account in that calendar quarter. The interest paid on average daily balances of over $15,000.00 will be 0.20% with an APY range for this tier from 3.00% to 0.20%.
The interest rates and APYs of each tier may change. The APYs were accurate as of 10/1/21. No minimum balance to open Savings Account. Savings Account funds are withdrawn through the Porte Account (maximum 6 such transfers per calendar month) 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 MetaBank, N.A. For purposes of FDIC coverage, all funds held on deposit by you at MetaBank, 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 MetaBank, 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.
IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.
Apple and Apple logo are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc.
Google Play and the Google Play logo are trademarks of Google LLC.
Porte is a mobile finance app, not a bank. Banking services provided by Metabank,® National Association, Member FDIC.
PORTE is a deposit account established by MetaBank®, National Association, Member FDIC. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.
© 2021 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.
Copyright © Populus Financial Group, Inc. 2021. All rights reserved.
