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, no max | 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
Stessa is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
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 at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
Essentials is a free plan and Pro is a premium plan. Annual Percentage Yield (APY) of 2.16% and Annual Percentage Rate (APR) of 2.14% on deposit accounts for Essentials/Manage users; and Annual Percentage Yield (APY) of 3.73% and Annual Percentage Rate (APR) of 3.67% for Pro users is accurate as of September 18, 2025. APY for the account may change at any time, before or after the account is opened. 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 the 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.