Keep more of your money in your own pocket

Open a Porte account1 with confidence - enjoy no monthly fee when you have qualifying Direct Deposit.2

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Scan me! scan me - No Monthly Fee

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Banking account with no monthly fee when you have qualifying Direct Deposits2

It’s time to say goodbye to monthly fees. We'd like to show you Porte, a mobile banking app with no monthly fee when you meet Direct Deposit requirements.2

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Monthly fee2

when you meet Direct Deposit requirements
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ATM fees4

at 37,000+ MoneyPass ATMs
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Add money fees3

at ACE Cash Express locations with Direct Deposit
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Fee on cash withdrawals5

up to $500 per day at ACE Cash Express locations with Direct Deposit

Porte is a mobile finance app, not a bank. Banking services provided by Pathward, National Association, Member FDIC.

Get paid up to 2 days faster6

Everyone loves payday! You can access your hard-earned
paycheck up to 2 days faster6 with Direct Deposit.

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37,000+ Fee-Free ATM Network with MoneyPass®

Skip lines for withdrawals and avoid paying out-of-network fees. With Porte, you have access to 37,000+ fee-free ATMs through MoneyPass®.4

Find fee-free ATMs at some of your favorite stores, like Walgreens®, CVS®, 7-Eleven®, and Circle K. You can use the ATM Locator online or the Porte app7 to find the closest fee-free ATM near you.

Mobile banking and Visa® debit card with no monthly fee2

When you open a Porte account,1 you will receive a debit card that can be used everywhere Visa debit cards are accepted. We also offer virtual debit cards that allow you to make online purchases without your physical card at no extra charge.8 When you have qualifying Direct Deposit of $1,000 or more each month, we will waive your monthly fee2 and you can keep more of your money to spend how you like.

Porte is a mobile finance app, not a bank. Banking services provided by Pathward, National Association, Member FDIC.1

Download the app7 to openabsolute image - No monthly fee an account1

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FAQs

Porte’s monthly fee is $9.95. The monthly fee is waived if you receive qualifying Direct Deposit(s) totaling at least $1,000 in the 35 days preceding the date on which the monthly fee is processed.


Porte offers access to the MoneyPass®ATM network. Withdraw cash for no fee at more than 37,000 locations.4 These include Walgreens, CVS, 7-Eleven, and Circle K store locations, plus more. Find a location near you using Porte’s ATM Finder.


If you do not meet the $1,000 Direct Deposit requirements, the monthly fee is $9.95.


If you opened a Porte Account before December 2022, you will not be charged a monthly account fee.


To get the monthly fee waived, you will need to receive qualifying Direct Deposit(s) of at least $1,000 in the 35 days preceding the date on which the monthly fee is processed.


Enroll or switch your Direct Deposit directly in the Porte app with just a few taps. You can also choose to download your Direct Deposit form in the Porte app. Follow the instructions provided by your employer to finish setting up Direct Deposit. If needed, you can access your account and routing numbers under Account Info in the user profile.


  1. 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.

  2. Monthly fee waived with qualifying Direct Deposit(s) totaling at least $1,000 in the thirty-five (35) days preceding the date on which the monthly fee is assessed.

  3. Add money fee is waived at participating ACE Cash Express locations if you have received a qualifying direct deposit (no dollar minimum) within the immediately preceding thirty-five (35) days. Offer subject to change. See store for details. Porte uses the Netspend Network, which is provided by Netspend Corporation. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.

  4. No ATM owner surcharge or ATM Cash Withdrawal Fees for domestic ATM withdrawals at MoneyPass® ATMs (“in-network ATMs”). Visit the Porte Mobile App for a list of in-network ATMs. All other ATMs may apply an owner’s surcharge fee in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement. Balance Inquiry Fees apply.

  5. 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 Pathward®, N.A., or Visa offer nor does Pathward, N.A., or Visa endorse this offer.

  6. 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.

  7. Standard data rates, fees, and charges may apply. Consent to receive electronic account disclosures required to use the app.

  8. You may request up to six (6) active Virtual Cards. Virtual Cards are subject to the same fees, limits, terms, and conditions as your Account. See your Deposit Account Agreement for details.

  • Apple® and Apple Pay® are trademarks of Apple Inc. A list of compatible Apple Pay devices can be found here: https://support.apple.com/en-us/HT208531

    Google Pay™ and Google Play™ are trademarks of Google LLC. 

    Porte is a mobile finance app, not a bank. Banking services provided by Pathward, National Association, Member FDIC. 

    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.

    Porte is a registered trademark of Populus Financial Group.

    Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of NetSpend Corporation (NMLS \#932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses

    © 2024 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. 2024. All rights reserved.