There’s
nothing Swell about fees

Traditional banks make billions by nickel and diming you with fees. Swell Cash keeps fees to a minimum and doesn’t hide anything in the small print.1

fees ladder art

Say “no” to fees and
”yes” to Swell

Growing your money is hard enough without unexpected bank fees eating away at your hard-earned cash. That’s why Swell Cash gives you:

01 No minimum balance fees

No monthly account fees or minimum balance fees.

02 Overdraft

No overdraft fees.2

03 No bank transfer fees

24/7 mobile banking using the Swell app.

07 Cash Withdrawal

Fee-free cash withdrawals at 45,000+ Allpoint ATMs nationwide.3

05 Electronic Statement

View, download and save your electronic statements for free from the Swell App (if you need a paper statement, we can send you one for $10)

Swell Community Member Swell Community Young Member (little girl)

Swell is officially here!

Join our waitlist, and we’ll send you an exclusive invitation code as soon as we can.4  Break away from your old bank and start making money moves with thousands of strivers like you who want to get ahead. Join the waitlist today!

Click here  for the most recent Swell Cash Deposit Account Fee Schedule.

 Note: Automated overdraft functionality likely will not be available until May 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 (including transactions scheduled using Swell BillPay), 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.

$2.50 for out-of-network ATM transactions; out-of-network ATM operators also may charge fees. Other fees such as third-party and cash deposit fees may apply. Click here to see in-network ATM locations. Note:  As of 09.27.2022, CPB is not charging ATM fees for non-Allpoint network ATM transactions.

Swell Cash and Swell Credit are not available in all states. See www.swellmoney.com/qualifications for more details.