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 |