What are my daily transfer limits, associated fees and authorization timeframes?

**Certain limits apply to various transactions**

Transfer Limits

Incoming Transactions Limits
Direct Deposit No limits
Cash Reload via Greendot 3 times/day; $1,000/day and $10,000/calendar month
Incoming Wire No limits
Ingo Mobile Check Deposit $5,000/check/day; $150,000/calendar month
Money Transfer through Cash App / FB Deposits $5,000/transaction/day; $15,000/month

ACH Transfers from External Accounts Limits
Earth $200/day; $1,000/month, and $20 minimum
Water $250/day; $1,250/month and $20 minimum
Air $3,000/day; $30,000/month and $20 minimum
Fire $6,000/day; $60,000/month and $20 minimum
Business $5,000/day; $50,000/month and $20 minimum

Outgoing Transactions Limits
ACH Transfers to External Accounts $20 minimum; No maximum
ATM Cash Withdrawal 3 time/day; $500/day
Cashback Through POS $500/day
Debit Card Signature Based Transactions $2,500/day
Debit Card PIN Based Transactions $2,500/day
Bill Pay $5,000/payment/month
Overall Spending Limit $5,000/day
Virtual Card Spending $2,500.00 maximum per transaction
Outgoing Wire N/A - feature not available


Transactions Fees
Out-of-Network ATM Fee $3.00 (ATM providers may add a separate surcharge)
International Transaction Fee 1% of the transaction amount
International ATM Fee $5.00 ATM withdrawal fee (1 free for every month). ATM providers may also charge a separate fee (international transaction fee also applies).
Ingo Mobile Check Deposit Money in Days: Free

Money in Minutes: 1% of the check amount; min of $5.00 for payroll and government checks
4% of the check amount; min of $5.00 for all other accepted checks


Category Timeframes
Replacement Card Standard 7-10 calendar days; Expedited 2-3 business days (except holidays)
Refund Check 10-14 business days after the account is closed
Funds transfers via Plaid Up to 5 business days
Direct Deposit Should be posted as soon as received
Bill Pay (mail a check) Up to 14 business days
Funds transfers from External Accounts 3-5 business days
Ingo Mobile Check Deposit Money in Days: Within 10 calendar days

Money in Minutes: Approval is within 1 hour if approved, funds will post within 1-2 business days depending on the receiving bank

Authorization Hold Timeframes

Transaction Type Timeframe
Regular Transactions Up to 7 calendar days
Hotel Up to 30 calendar days
Car Rentals Up to 30 calendar days

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