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 |
Fees
| 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 |
Timeframes
| 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 |
