FAQ

Find answers to frequently asked questions about CapWay. See common questions and answers by looking through various categories and more.

Commonly Asked Questions
How do I locate the closest ATM?
Card related
How do I stop a payment on my account?
Account related
Can I wire money?
General
How do I cancel my CapWay Money Account?
Account related
Can I really get my direct deposit two days early?
General
Why is my external bank transfer still pending?
General
Can I send money to my family or friends?
General
How do I remove a linked bank account?
Link external account
What should I do if I don’t recognize a transaction on my account?
Account related
What is this pending card transaction on my account?
Card related
What is a neobank?
General
How do I sign up for Direct Deposit?
Account related
Can I get Money Orders or Cashier’s checks?
Account related
Can I have more than one external account linked to my CapWay account?
Account related
Do you have a referral program?
Account related
Can I print my own checks?
Account related
The account is offered through Metropolitan Commercial Bank. What does that mean?
Account related
Where do I find my routing and account number?
Account related
What features are available with my debit card?
Card related
What is the routing number?
Account related
Can I add my spouse or child to my account? (Joint Accounts)
Account related
Does my CapWay account come with checks?
Account related
Does CapWay offer Bill Pay?
Account related
Do I need to have a smartphone?
Sign Up
What is CapWay?
General

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. Account holders will be allowed to overdraw their account up to $25 on debit card purchases. Debit cards 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.

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