Deposit Method | Limits | Timing |
Direct payment/ ACH debit
ACH transfer to your Account from a connected bank account with another institution | Varies | up to 5 business days All transaction requests received after 1 PM EST are initiated the following business day |
Internal transfer between eligible Stessa checking accounts | Max amount is the current balance | Instant |
Inbound domestic wire | No limits | up to 2 days |
Check (via mobile deposit) | Varies | up to 5 business days |
Withdrawal Method | Limits | Timing |
Internal transfer between eligible Stessa checking accounts | Max amount is the current balance | Instant |
ACH transfer from your Stessa checking account to another banking institution | Varies | up to 5 business days All transaction requests received after 3 PM EST are initiated the following business day |
ACH transfer to a merchant or other third party you authorize to withdraw from your Stessa checking account using your routing and account numbers | Varies | 1 business day All transaction requests received after 3 PM EST are initiated the following business day |
ATM withdrawal | $500/day | Instant |
Outbound domestic wire | $100 minimum per wire transfer, no maximum | 1 day All transaction requests received after 1 PM EST are initiated the following business day |
Debit card (POS or other merchant transaction) | Varies | Instant |
Fee Description | Fee Amount and Frequency | Additional Details |
Domestic wire fee | $5.00 per outbound wire | All transaction requests received after 1 PM EST are initiated the following business day |
Inbound wire fee | None | Stessa does not charge an inbound wire fee, but the sending bank may charge a fee. |
International transaction fee | 1% of the transaction amount | Charged on any ATM or POS transaction conducted outside the United States. |
ATM transaction fee | None | Stessa does not charge an ATM withdrawal fee, but the owner of the ATM may charge a fee. |