Are there any fees associated with a Swell Cash account?

Swell Cash keeps fees to a minimum and doesn’t hide anything in the small print.

  • $12 monthly account service fee
  • No minimum balance fees
  • No overdraft fees*

The Swell Cash deposit account has a $12 monthly account service fee that can be avoided by making 15 or more purchases each month with your Swell Debit Mastercard.  Visit to review the Swell Cash Deposit Account Fee Schedule.

Note: Customers with Swell Cash and Swell Credit accounts are eligible to use Swell Credit Overdraft, but automated overdraft functionality likely will not be available until after June 1, 2023.  Credit approval and availability on your Swell Credit line required. The following transactions from your Swell Cash account (up to an aggregate limit of $100 at any one time) are eligible for overdraft protection, and you agree that you are responsible for Overdraft Advances made to cover the following transactions: (i) debit card transactions (including PIN and signature transactions), (ii) pre-authorized ACH transactions, and (iii) cash withdrawals at ATMs.  Swell Credit Overdraft protection does not apply to other transactions.  For more details about Swell Credit Overdraft, see Sections 14, 15 and 16 of the Swell Credit Account Terms and Conditions and Section IV.L of the Swell Cash Deposit Account Agreement and Disclosures.