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What is CapWay?


CapWay is a digital bank providing financial access and opportunities for everyone - especially those who have been under-served, overlooked, and misunderstood by the traditional banking system.  


In addition to our debit card and banking features, we also offer financial content to help you grow your knowledge about money. 


Some of the benefits of choosing CapWay include the following: 


No overdraft or minimum balance fees ✅

Physical and Virtual Debit Card ✅

Various deposit options ✅

Create Money Goals with the ability to ask for financial assistance to reach those goals ✅

Learn Money; Talk Money with others ✅

User-friendly ✅

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.

© 2019-2021 CapWay Inc. All Rights Reserved.