Porte Banking

Porte Banking

in Checking Accounts from MetaBank · fdic


Porte Banking


in Checking Accounts from MetaBank · Member FDIC

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Monthly Fee $0
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.5% - 3%

Porte Banking Review

Porte Banking is offered by MetaBank, a bank founded in 1954 and based in Storm Lake, IA. Porte Banking is available in 50 states (and Washington, DC).

Key Takeaways
  • $50 Bonus offer. Open a new account and you can get up to $50 if you deposit a minimum of $500 (see terms and conditions for more details).
  • Very high APY. This account offers an annual percentage yield of up to 3%, which is much higher than the average for a checking account.
  • $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.
  • 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.
  • Offers a $50 bonus offer.
  • Available in all 50 states.
  • High-interest yield.
  • 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.
  • Online-only account with no access to physical branches.
  • No ATM access to Porte Banking.
  • Charges a higher than average fee on out-of-network ATM transactions.
Porte Banking FAQ

Are checking accounts from MetaBank federally insured?

Yes, your MetaBank 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 offers an APY starting at 0.5% and ranging up to 3% (APY stands for annual percentage yield, rates may change).

Porte Banking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.5% - 3%

What are the account minimums for Porte Banking?

Porte Banking does not require a minimum initial deposit.

Porte Banking Account Minimums
Description Amount
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 Banking Fees
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:

  • Signup bonus - Open an account and you may receive a signup bonus of up to $50 if you deposit a minimum of $500.
  • 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.
  • 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

Porte 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: 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.


Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

Other Services by MetaBank


  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
  • Member FDIC
  • Online-Only Account
Signup Bonus $50
Signup Deposit Requirement $500
APY (Annual Percentage Yield) 0.5% - 3%

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