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Bank Transfers: Limits, Fees, and Timing (Cash Management)

There are many ways to move funds in/out of your Stessa Cash Management accounts. Use this reference to understand limits, fees, and timing.

Updated over 2 weeks ago

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:

  1. Go to the Cash Management page in your Stessa account

  2. Locate the Cash Management account and click the 3 dots under the Actions column

  3. Select View Limits

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