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Porte Banking FAQs
Can I use my Porte debit card to pay bills?
Yes! You can use your Porte card to pay everyday bills that accept Visa debit card payments.
How do I sign up for a Porte account?
Sign up is easy and takes less than 2 minutes. Download the Porte App from the App Store® or Google Play™. Follow the steps in the Porte App. Your Porte account awaits you.
Is my money safe with Porte?
Porte is a deposit account established by MetaBank® and funds on deposit in your Account are FDIC insured through MetaBank. For purposes of FDIC coverage, all funds held on deposit by you at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.
Is there a monthly fee for Porte?
We don’t charge you a monthly maintenance fee. Ever. However, there may be other account fees. Review your Deposit Account Agreement for details.
What is Porte?
Porte™ provides access to demand deposit and savings accounts without a brick and mortar location. Porte has been designed around the idea that banking has a purpose, and is focused on a transparent and secure way to bank. The name Porte comes from the French word for “Door”. Porte is an open doorway to banking that gives back. At Porte, we’re listening to our customers and we’re ready to learn and evolve with them to secure their future.
Who can open a Porte account?
Porte accounts are available to anyone over the age of majority who is a U.S. citizen or permanent resident in one of the 50 U.S. states or District of Columbia.
Can I deposit a paper check?
Use Mobile Check Capture1 in the Porte App to deposit check funds in your account.
Can I use my Porte card in my mobile wallet?
Yes, you can! Your Porte Visa debit card works the same as any other debit card. Use it in your mobile wallet with Apple Pay® and Google Pay™, and with payment apps like PayPal®, CashApp®, and Venmo®.
How do I add money to my account?
You can add money in the following ways:
- Direct Deposit is an easy way to add money each time you are paid, and with Faster Pay, you can enjoy your paycheck up to two days early2. Find out more about Faster Pay with Direct Deposit here.
- Link your existing debit card from another account3
- Deposit cash in person at one of our participating retailers4
- Use Mobile Check Capture1
How do I add cash to my Porte account?
You may add cash at select retail locations for a fee up to $3.95 per transaction.4 Use the Location finder within the Porte App to find the closest location to add cash.
When will I get my Porte card?
You’ll receive your Porte card within 5-7 business days after opening your account. Keep an eye out for your mail for a black envelope from Porte. If you have questions, give our friendly customer service team a call at 1-800-267-7080. Welcome to the family!
Who can I talk to about my account?
Our friendly Porte Customer Support team is here to answer all of your questions. Give them a call at 1-800-267-7080. They can’t wait to hear from you!
How do I withdraw money from my Porte account?
Porte’s ATM network is MoneyPass® where you can access more than 32,000 no-fee ATMs. Use the Locations finder within the Porte App to find an ATM near you.
Is there an ATM fee to withdraw money from my Porte account?
Yes, however there are no fees when you withdraw from one of the 32,000 MoneyPass ATMs. Look for the MoneyPass logo and enjoy fee-free withdrawals. All other ATMs may apply an owner’s surcharge fee in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement.
How do I set up Direct Deposit with Porte?
Download your Direct Deposit form in the Porte App. Follow the instructions provided by your employer to finish setting up Direct Deposit. If you don’t need a canceled check or physical form, you can access your account and routing number under Account Info in the user profile.
What is a qualifying direct deposit?
When you have a direct deposit of $1000 or more in one calendar month, you enjoy some of Porte’s most powerful benefits, including getting paid up to 2 days faster2, unlocking a High-Interest Savings with a 3.00% APY5 and more! You will also gain access to Porte’s Overdraft Protection Service6.
Do I have to pay for Overdraft Service?
There is no fee to enroll in the optional Overdraft Service. However, you may incur fees when you use the service. Once you overdraft, if you bring your account back to a positive balance within 24 hours, no fee is charged. After 24 hours, you’re charged a $20 fee per transaction that overdrafts your account by more than $10.
How do I get the optional Overdraft Service with Porte?
You may enroll in the Overdraft Service under Account Info in the user profile. You must receive direct deposits totaling at least $400.00 to your Account within thirty-five (35) days of your enrollment in the Service (direct deposits received prior to enrollment count towards this total). You must have a positive Available Balance in your Account at the time we activate the Service on your Account. Once you have met all eligibility requirements, your participation in the Service will be activated within twenty-four (24) hours. Once the Service is activated on your Account, you MUST continue to receive direct deposits totaling at least $200.00 to your Account every thirty (30) days or we will deactivate your participation in the Service.
How long do I have to pay back the amount I overdraft without a fee?
You have 24 hours from the time of your transaction to repay the funds you overdraft. Let’s say you overdraft your account at 2:00 p.m. on Thursday, then you have until 2:00 p.m. on Friday to add the funds into your account.
You can transfer money from your Savings Account, add cash at one of our partner locations4, receive funds through Direct Deposit, use mobile check capture, or transfer money from a debit card3 to bring your account balance positive.
What is Overdraft Choice?
Overdraft Choice is the feature that allows you to turn the optional Overdraft Service On and Off. When Overdraft Choice is turned off, your purchases will be declined if there is not a high enough available balance to cover the purchase. When Overdraft Choice is turned on, the optional Overdraft Service is enabled. You must be enrolled and eligible for the Overdraft Service to use Overdraft Choice within the Porte app.
What is Overdraft Service?
The optional Overdraft Service6 is Porte’s overdraft protection feature. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance.
What type of purchases can I make?
You can only use optional Overdraft Service when making debit purchases and ATM withdrawals. The Overdraft Service may not be used for ACH debit transactions or reoccurring debit transactions.
Are there fees associated with this account?
No, the Savings Account is included for those who have a qualifying Direct Deposit of $1,000 or more per month.
How do I set up the Savings Account?
Once you receive a qualifying Direct Deposit of $1,000 or more in a month, you become eligible for Porte’s Savings Account. Once eligible, the option to set it up will show up in your Porte app.
Is it safe to keep my money in a mobile savings account?
Porte is a deposit account established by MetaBank® and funds on deposit in your Account are FDIC insured through MetaBank. For purposes of FDIC coverage, all funds held on deposit by you at MetaBank will be aggregated up to the coverage limit, currently $250,000.00. We take the security of your money seriously, so rest easy knowing your funds are safe with Porte.
What is Annual Percentage Yield?
Annual Percentage Yield, or APY, is the total amount of interest paid on your Savings Account, based on the interest rate and frequency of compounding for a 365-day period (366-day period in a leap year), and is expressed as a percentage.
What minimum amount do I need to keep in the savings account?
There’s no minimum amount that you have to keep in your Savings Account. Choose to save as much or as little as you want.
Why should I get a savings account?
Saving money now helps you take control of your future. You can use it to put away money now for short-term and long-term goals. Earn up to 3.00% APY1 on the first $15,000 deposited in your Savings Account and reach your savings goals.
A friend received a perk I want. How can I get the same perk?
Unfortunately, you cannot ensure you will receive the same perk. Porte Perks are made available based on how and where each individual accountholder shops using the debit card connected to their account.
A perk expired yesterday. Can I still use it?
No. Once a perk expires there is no way to reinstate it. To stay up-to-date with all perks, visit the Porte Perks Page in the app.
Can I use a merchant's coupon with a perk?
Yes, you may use a merchant’s coupon if: (a) the coupon hasn’t expired; (b) there are no usage restrictions described on the coupon or in the offer details; and (c) the amount paid for the purchase still meets the perk requirements after the coupon discount has been applied. For example, if the offer requires a purchase of $20, the amount of the purchase after the coupon discount has been applied must still be at least $20.
Do I have to enroll to begin earning Porte Perks?
No, you do not have to enroll in or sign up for the program. The benefits of the program are automatically available to all eligible accountholders. To maintain eligibility, you must use your account in accordance with the terms and conditions of your Deposit Account Agreement and the terms and conditions of this program. You may opt out at any time if you do not wish to participate in the program.
Do I need a code or coupon to redeem a perk?
In most cases, you will not need a code or coupon to redeem a perk. However, each perk may have specific redemption requirements such as how much you need to spend, or other specified conditions. In the case of online perks (or other similar instances), a code may be included. You must read each offer carefully to determine its details.
Does participating in Porte Perks cost me anything?
No, there is no extra cost to participate in the Porte Perks program. This program is a benefit that is available to all eligible accountholders. Please refer to your Deposit Account Agreement for any fees that may apply to purchase transactions using your debit card.
How do I use a perk?
Tap an offer for any of the perks you see on the dashboard or Porte Perks page to add the perk to your card and learn more about it. Then, visit the merchant before the offer expires and use your debit card to pay for the qualifying purchase.
How long do I have to redeem a perk?
Each perk will have an expiration date set by the merchant. The expiration date will appear in the details section of the perk. Click on the perk to expand it to see the expiration date. Once a perk has expired, it cannot be reinstated.
If I opt out of the Porte Perks offers, can I opt in again?
You can opt back in to the program by clicking the link on the Porte Perks page in the app.
Is my personal information shared with merchants?
No, your personal information is not shared with the merchant providing a perk. When you activate a perk, and make a purchase, the merchant does not know you are participating in this program.
What are Available Perks and Active Perks?
Available Perks are offers that are brand new to you. To begin using the Available Perks, just click the “Add to Card” button.
Active Perks are offers that you’ve activated by pressing “Add to Card”. Once activated, you can earn your reward by shopping according to the terms of the offer. You will not earn a reward until you shop.
What are Porte Perks?
Porte Perks is a program that offers cash back for using your Porte card to purchase qualifying merchandise and services. We call these targeted offers perks. You’ll receive targeted perks, based on your shopping habits. You redeem these perks and get cash back (in the form of account credits) on these select purchases. There is no limit to how much cash back you can earn (though there may be limits with respect to individual perks). So, the more you use your Porte card, the more perks you can receive, and the more cash back you can earn.
What if I do not want to receive Perks?
You can opt out of receiving perks by tapping the “Opt out of Porte Perks” button on the Porte Perks page in the app. If you opt out of Porte Perks but later change your mind, you can opt back in to the program on the app.
When do I receive the credit for the perks I redeem?
The Porte Perks account credit associated with the perk will appear on your account statement at the end of the calendar month following the calendar month during which you made the qualifying purchase. (For example: if you made the qualifying purchase in June, your account credit will appear on your account statement at the end of July.) Once they have been added to your account, each pending account credit will be identified so you will be able to verify each transaction.
Whom do I contact if I have questions about Porte Perks?
Questions about the program should be directed to Porte. Please call us at the telephone number appearing on the back of your debit card.
Questions about products or services obtained through use of the offers should be directed to the merchant responsible for the perk.
Why don't I see any Perks?
Perks are based on how you shop with your debit card. If you don’t use your debit card very much you may not receive perks until you start using your debit card more often and that’s because sometimes there won’t be any perks available that match your debit card activity. The more you use your debit card, the more chances you will have to receive relevant perks.
Will I still earn Porte Perks account credits if I opt out of the program?
You will not earn any new Porte Perks account credits after you opt out, but any account credits you qualified for before opting out will appear on your account statement by the last day of the calendar month following the calendar month during which the transaction occurred.
Will sales tax or shipping charges be included in the value of a perk with a minimum purchase requirement?
Yes. The minimum purchase amount may include sales tax and/or shipping charges for the purchase. For example, if the perk requires a purchase of $50, and you spend $48 plus $2.88 sales tax for a total of $50.88, the purchase will qualify for the reward.
Refer a Friend
How long will it take for my friend and I to get our bonuses?
The referral bonus will be paid within 24 hours after the qualifying direct deposit has been posted to your friend’s account.
How many friends can I refer? How much can I earn in referral bonuses?
Refer as many friends as you want! However, the maximum bonus amount you can receive is $50 per friend for up to 10 friends.
I got referred to Porte by a friend. How do I make sure we both get our bonuses?
You send your friend your personal link which includes a referral code from within the Porte App. Your friend has to open a Porte account and receive a qualifying direct deposit in order for you both to receive the bonus.
What if I get a referral from my friend but I already have a Porte account?
You will not be eligible for the referral bonus.
Where can I find my unique referral link?
You can find your unique referral link in the Porte app. Go to the Refer a Friend section on the dashboard and follow the instructions.
Can I choose a local charity?
You can choose from any of the charities shown on your dashboard in the Mobile App. Most charities are nationally known and cover a wide variety of causes.
Can I support multiple charities?
No, you can only support one charity at a time. You can change charities at any time within the Porte app.
Do I have to pay anything?
No, there is no cost to support a charity in #DoorToChange. You have the option to select a charity through the Porte App. Populus Financial Group will donate an amount equal to .05% of each purchase that you make with your debit card to the charity that you have selected.
How do I know how much has been contributed to my selected charity?
You can see the amount generated from the Porte community from the #DoorToChange section in your Porte App.
How do I know if I’m enrolled in #DoorToChange?
Log in to your Porte app. If you are enrolled in #DoorToChange, you’ll see your chosen charity on your dashboard. If you’re not enrolled, then you’ll have the option to support a charity.
How do I support a charity?
Look for the option to Support a cause that matters to you on your Porte app7 dashboard. Select a charity from the options available in the app and then select Start Supporting on the charity page.
How often can I change charities?
You can change your selected charity as often as you like.
What is #DoorToChange?
#DoorToChange is Porte’s giving program where you can spend with confidence knowing that your money goes the extra mile. You have the option to select a charity through the Porte App. Populus Financial Group will donate an amount equal to .05% of each purchase that you make with your debit card to the charity that you have selected. Netspend, MetaBankⓇ, N.A., and Visa™ are not affiliated in any way with this offer and do not endorse or sponsor this offer.
Where do I find a list of charities I can support through #DoorToChange?
Use the Porte app and select “Support a cause” or “Supporting” to see the full list of charities that we have partnered with.