Surprisingly Good!
Mission based company that’s not just trying to take your money. They have some actually cool features if you look through their menus.
Only provide withdrawal access through plaid which requires your login credentials
Not secure. Hold you money hostage if you don’t consent to use their 3rd party aggregator.
Ease of use and friendly service
Besides the financial tools that are so easy to use, I’m just so grateful for the seamless customer service! They politely answered all my questions before I opened my account. 10/10 recommend :)
Fraudulent DO NOT
My card was reported stolen from the Company Percapita without my knowledge or permission.. I never reported anything stolen nor disputed any items… They reported my bills on the account unauthorized and got them all cut off .. it’s been over a week they have not communicated anything correctly to me & when I call I speak to the same man Over 4 times the same man picks up and can’t explain anything to me . He states a email will be sent but it’s the same email that’s states please reply with disputes I NEVER EVER DISPUTED ANYTHING ON MY ACCOUNT .. nor REPORTE ANYTHING STOLEN NOR UNATHORIZED .. I have a clear paper trail with no correct communication.. no refunds nor any credits.. nothing about anything being unauthorized.. This company had my card reported stolen and my bills reported authorized and cut off .. Without anything consented from me..& no answers for anything but emails that have already made templates that’s don’t even make sense for my calls, refunds , credits nor ANYTHING ITS A SPINAROUND AND ITS BEEN A WEEK AND MY BILLS ARE OFF AND NOTHING
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This is an AMAZING bank and I’ve tried them all!
I cannot tell you how immensely amazing Percapita is. I have and have used every bank (chime, Varo, Monzo USA, Paypal, etc). This is something to definitely check out and try. And when they say 2 days early for direct deposit, they MEAN it!
My only two concerns:
1) I LOVE the security fraud alerts that come through for transactions that may or may not be authorized. However, they seem to come quite often, almost with every transaction and that’s a little tedious. I would hope the system can generate a good algorithm to know it’s customers when a transaction goes through.
2) With the immediate pay, the cash advance is only caters to customers and of their employers if they sign up through them. I kind of hope that will change, and that would allow per capita to have their own cash advances before payday through the amount of direct deposit that comes through to their bank and not just use a third-party. However, I think it’s also a great idea as well.
Design is very simple, but I can see this bank going and growing ! You have my vote!
My only two concerns:
1) I LOVE the security fraud alerts that come through for transactions that may or may not be authorized. However, they seem to come quite often, almost with every transaction and that’s a little tedious. I would hope the system can generate a good algorithm to know it’s customers when a transaction goes through.
2) With the immediate pay, the cash advance is only caters to customers and of their employers if they sign up through them. I kind of hope that will change, and that would allow per capita to have their own cash advances before payday through the amount of direct deposit that comes through to their bank and not just use a third-party. However, I think it’s also a great idea as well.
Design is very simple, but I can see this bank going and growing ! You have my vote!
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