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Porte Mobile Banking

in Checking Accounts from Populus Financial Group · fdic

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Porte Mobile Banking

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in Checking Accounts from Populus Financial Group · Member FDIC

SuperMoney Net Recommendation Score +63

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +63, equating to 4.3 on a 5 point rating scale.

+63

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

6 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%
Number of Reviews 8

Porte Mobile Banking Review

Porte Mobile Banking is offered by Populus Financial Group, a financial services company founded in 1982 and based in Irving, TX. It is made possible by a bank partnership with Metabank,® National Association, Member FDIC. Porte Mobile Banking is available in 50 states (and Washington, DC).

Key Takeaways
  • 0% APY. As with most checking accounts, Porte Mobile Banking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Early direct deposit. Get access to you paycheck funds faster If you set up a direct deposit to this account.
  • Soft credit pull. This bank will not perform a hard credit pull when you open a checking account.
Porte Banking Pros & Cons
Pros Cons
  • Free bill pay. You can use your Porte card to pay everyday bills that accept Visa debit card payments.
  • Get Paid Up to 2 Days Faster with Direct Deposit.
  • Create up to 6 Virtual Cards for extra confidence
  • Available in all 50 states.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • Does not earn interest
  • Online-only account with no access to physical branches.
  • Charges a higher than average fee on out-of-network ATM transactions.
Porte Banking FAQ

Are checking accounts from Populus Financial Group federally insured?

Yes, your Populus Financial Group checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Porte Banking offer?

Porte Banking is not an interest-bearing account.

What are the account minimums for Porte Banking?

Porte Banking does not require a minimum initial deposit.

Porte Mobile Banking Minimums
Description
Minimum Opening Deposit $0

What fees does Porte Banking charge?

The good news is that this account does not have a monthly Service Charge.

Porte Mobile Banking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $3.95
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0
NSF Fee $20
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $2.50

Does Porte Banking charge overdraft fees?

No, Porte Banking does not charge overdraft fees.

What features and perks does Porte Banking offer?

This account includes the following features:

  • Fraud monitoring - Porte Banking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
  • Mobile Banking Services - Porte Banking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
  • Soft credit pull - Porte Banking performs a soft credit pull so you can check whether you qualify without hurting your credit.

What is the customer support email for Porte Banking?

The customer support email for Porte Banking is humansupport@cs.portebanking.com.

How do people rate the customer service and user experience of Porte Banking?

Overall, Porte Banking is strongly recommended based on community reviews that rate customer service and user experience.

Porte Mobile Banking Disclosure:

Porte offers an up to 3.00% Annual Percentage Yield (APY) Savings account on Average Daily Balances of $15,000 or less. If the Average Daily Balance is more than $15,000, the interest rate paid on the portion of the Average Daily Balance which exceeds $15,000 will be with an APY of .50%.

If you bring your account back to a positive balance within 24 hours, there is no fee charged. After 24 hours, a $20 fee per transaction that overdrafts your account by more than $10

Porte is a mobile banking solution committed to help members navigate a path towards financial freedom. Offered by Populus Financial Group, which provides a broad range of financial products and services, and based in Irving, TX, Porte accounts and services have been established in partnership with MetaBank. Porte was launched in 2020.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Porte Mobile Banking

Porte believes your banking experience is about more than money. With account alerts, charitable giving, and mobile check capture, we've built a mobile banking experience around you. Download the app today to open an account. Earn up to 3.00% APY with no hidden fees, no minimum balance, and FDIC insured through our partner MetaBank®, N.A. Start earning up to 40x the national average. Finally, High-Yield Savings that isn’t too good to be true.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Debit Card Replacement Fee $3.95
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $20
ATM Fee: Out-of-Network $2.50
Account Features
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Soft Credit Pull
  • Debit Card
  • Get Paid Early
  • Member FDIC
  • Online-Only Account

Porte Mobile Banking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +63, equating to 4.3 on a 5 point rating scale.

+63

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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