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 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
Percapita customer

Add the Goals & Needs Accounts
to help with budgeting and planning - for immediate and future expenses.

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.

New Feature
Tax Planner

Take control of your taxes with our Tax Planner. Estimate your tax refund and optimize your paycheck to keep more of what you earn, while exploring every deduction and credit available. Start planning early to avoid surprises and reduce stress when it’s time to file directly in the Percapita app.

Included for all Percapita app users as part of our commitment to comprehensive financial wellness.
Coming Soon
Tax Filer

File your taxes effortlessly with our Tax Filer, launching this January and available to all Percapita app users. Enjoy seamless, in-app filing with auto-imported data for accuracy and a quick, hassle-free refund.

Effortless tax filing with Percapita—file directly in the app and maximize your refund.

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.

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.

New feature

International Transfer

Safely send money abroad with no surprise fees!

Easily send money around the world from your Cash Account. Sending money through the Percapita app is safe, secure, and convenient.

Choose how your recipient receives their cash

By debit card

To their bank account

Cash pick up

More details
Country select

Maximize your reach! Send money your way.

No standing in line and no confusing paperwork. Simply log in to the Percapita app, initiate your transfer and choose how your recipient receives their money. All you need is your recipient's information to get started today!

Depending on the country, the availability of options may vary.

Get Started
*Verification times vary and may delay the delivery of funds to the receiver. See transfer terms and conditions for details. Brightwell is a technology provider and not a bank or other regulated financial institution. All regulated international transfer services associated with ReadyRemit® are provided by The Bancorp Bank N.A. Terms and conditions apply.

Use it everywhere

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