Deposits (Money In)
Deposit Method | Limit | Processing Time |
Direct payment / ACH debit (from an external bank) | Limit depends on your external bank | Up to 5 business days. If submitted after 1 PM ET, processing begins the next business day. |
Internal transfer (between Stessa accounts) | Up to your available balance | Instant |
Inbound domestic wire | No limit | Up to 2 business days |
Mobile Check Deposit | *Monthly limit varies | Up to 5 business days |
Withdrawals (Money Out)
Withdrawal Method | Limits | Processing Timing |
Internal transfer (between Stessa accounts) | Up to available balance | Instant |
ACH outgoing transfer (to another bank) | *Daily/Monthly limit varies | Up to 5 business days. If submitted after 3 PM ET, processing begins the next business day. |
ACH 3rd party transfer | *Monthly limit varies | Usually 1 business day. If submitted after 3 PM ET, processing begins the next business day |
ATM withdrawal | $500/day | Instant |
Outbound domestic wire | $100 minimum per wire transfer, limits apply | Up to 1 business day. If submitted after 1 PM ET, processing begins the next business day. |
Debit card spend | *Daily limit varies | Instant |
Fees
Fee Type | Amount | Details |
Outbound domestic wire | $5.00 | Charged per wire. If submitted after 1 PM ET, processing begins the next business day. |
Inbound wire | Free | No fee from Stessa.(sender's bank may charge) |
International transaction (ATM or debit card) | 1% of transaction | Applies outside the U.S. |
ATM transaction | Free | Stessa does not charge. The ATM owner may apply a fee. |
To check your individual account limits:
Go to the Cash Management page in your Stessa account
Locate the Cash Management account and click the 3 dots under the Actions column
Select View Limits. These limits reset on the first of every month.
Stessa is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The Stessa Cash Management Visa® Debit are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted.
Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. Please contact customerservice@thread.bank with questions on the sweep program.
Essentials is a free plan and Manage and Pro are premium plans. For Stessa/Roofstock customers with an interest-bearing deposit account in the Non-Pro or Pro Category, the interest rate and Annual Percentage Yield (APY) are dependent on the previous month’s aggregate month-end ending balances under a single login, as well as your subscription level (Non-Pro: Essentials or Manage; or Pro) and account tier with us. The rates are effective as of 04/01/2026, are variable and subject to change after account opening. Fees may reduce earnings.
Non-Pro Category:
For Essentials or Manage users, the following rates will apply:
Essentials or Manage – Tier 1: Accounts with the previous month’s aggregate month-end ending balances under a single login between $0.00-$9,999.99 will have an interest rate of 0.53% with an APY of 0.53%.
Essentials or Manage – Tier 2: Accounts with the previous month’s aggregate month-end ending balances under a single login between $10,000.00-$49,999.99 will have an interest rate of 0.86% with an APY of 0.87%.
Essentials or Manage – Tier 3: Accounts with the previous month’s aggregate month-end ending balances under a single login between $50,000.00-$99,999.99 will have an interest rate of 1.20% with an APY of 1.20%.
Essentials or Manage – Tier 4: Accounts with the previous month’s aggregate month-end ending balances under a single login between $100,000.00-$249,999.99 will have an interest rate of 1.53% with an APY of 1.54%.
Essentials or Manage – Tier 5: Accounts with previous month’s aggregate month-end ending balances under a single login is $250,000.00 or more will have an interest rate of 1.86% with an APY of 1.88%.
Pro Category:
For Pro users, the following rates will apply:
Pro – Tier 1: Accounts with the previous month’s aggregate month-end ending balances under a single login between $0.00-$9,999.99 will have an interest rate of 1.33% with an APY of 1.34%.
Pro – Tier 2: Accounts with the previous month’s aggregate month-end ending balances under a single login between $10,000.00-$49,999.99 will have an interest rate of 2.00% with an APY of 2.01%.
Pro – Tier 3: Accounts with the previous month’s aggregate month-end ending balances under a single login between $50,000.00-$99,999.99 will have an interest rate of 2.33% with an APY of 2.35%.
Pro – Tier 4: Accounts with the previous month’s aggregate month-end ending balances under a single login between $100,000.00-$249,999.99 will have an interest rate of 2.66% with an APY of 2.69%.
Pro – Tier 5: Accounts with the previous month’s aggregate month-end ending balances under a single login is $250,000.00 or more will have an interest rate of 3.19% with an APY of 3.24%.
No minimum balance or opening deposit required. Fees could reduce earnings on the account. Account holders can earn 1.10% cash back on debit card purchases. Cash back earned each month will be credited to your account by next month's statement cycle. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards. No minimum opening deposit and no minimum balance requirements. Terms and eligibility requirements apply.