Money Account

More than just another debit card.

Physical and Virtual Cards
Get Paid Early 3
Track Spending
Save Towards Money Goals
Send and Receive Money
Deposit and Withdraw Funds

Checkout the all benefits of Money Goals + HUMAN$

What About Fees?Fees You Could Pay?
No overdraft fees
No minimum balance fees
No monthly fees
No fees to withdraw your money a MoneyPass ATM*
CapWay Debit Card

Get a physical and virtual card with your CapWay Money Account.

You can use your virtual card immediately after opening your account to make online purchases.

Round up to the nearest dollar with every swipe to save money towards your Money Goals.

More about Money Goals

Start Your Money Account.

Get Paid Early*

You work for it. It's yours! Choose CapWay to direct deposit your payroll and get paid up to two days early.

Track Spending
Track Transactions

See all of your transactions, check your cleared and pending balance with ease, and receive a notification when withdrawals or deposits hit your account.

Track Spending Categories

Be in the know of where your money is being spent by having a full breakdown of your spending categories. Categories cover your income and expenses.

Send and Receive Money

Transfer funds to your friends, family, and others with ease.

Instant Deposit

When sending or receiving money from someone else with a CapWay account, the money will be immediately available for use.

Request Funds

Request money from your network of family and friends on CapWay

Deposit and Withdraw Funds

Deposit Funds
  • Direct Deposit
  • ACH/Transfer from Linked Bank Account
  • Cash Deposit [Find Locations]
  • Mobile Deposit (coming soon)
Withdraw Funds
  • Withdraw funds for free at any of the 30,000+ MoneyPass ATMs.
  • *Money withdrawn from an ATM outside of the MoneyPass network may be charged a surcharge fee. This is not a fee by CapWay, but instead by the ATM Network.

Premium Money Account

CapWay offers the option to be a Premium Member of CapWay. The Premium Money Account includes exclusive access to financial coaching, financial wellness, private events and talks, Money Room classes, and more.

*Become a Premium Member

There are some fees that are not charged by CapWay, but could be charged by a third-party. Two common out-of-network fees you should be on the lookout for is out-of-network ATM fees and the fees charged by Walmart and Walgreens to deposit cash.

*Our free-to-use ATM network is MoneyPass. Find a MoneyPass ATM here.
Move Money Faster

There is a fee to transfer money in or out of your CapWay Money Account faster than the standard time period.

The CapWay, Inc Debit Visa Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank ©2014.

1. For Money Account holders with a negative balance, the CapWay debit card will go into freeze until funds are deposited to bring account back to current. See terms and conditions

2. Sending or receiving money from other CapWay account holders will be instant. Transfers from other accounts could take up to 48 hours, depending on the financial institution.

3. Early access to funds requires direct deposit. Early payment is not guaranteed and is dependent on the timing of payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date.

4. Money Goals allows account holders to save money towards financial goals created within the CapWay platform. Funds can be transferred from your Money Account or saved through the rounding up of your transactions from purchases.

5. CapWay offers financial content through Learn Money free of charge, but may include advertisements through affiliates. Phunds, CapWay's literacy program and session, is paid content or co-branded content.

© 2019-2023 CapWay Inc. All Rights Reserved.