Deposit Method

Limits

Timing

Direct payment/

ACH debit

ACH transfer to your Account from a connected bank account with another institution

Varies

4 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

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

1 business day

All transaction requests received after 3PM 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 3PM 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.

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