Account questions

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It’s an FDIC insured checking account that gives you perks. When you use your PerkStreet Financial Visa Debit Card without entering a PIN, you earn free coffee, music or 1% cash back.

A PerkStreet checking account lets you:

  • Buy things with your PerkStreet Financial Visa Debit Card, cash or checks
  • Withdraw money without a charge at 37,000 ATMs nationwide
  • Find an ATM from your computer or mobile phone
  • Withdraw money without charge at any merchant that allows you to get cash back when making a purchase
  • Transfer money online between your other bank accounts and your PerkStreet checking account
  • Pay bills online
  • Check your balance online or over the phone and receive balance alerts via email or mobile phone
  • Get help over the phone any time of the day – we answer most calls within 30 seconds

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There are two ways you can contact us:

  • Call 866.792.2834. We’re open 24/7 and typically answer in less than 30 seconds.
  • Email us at support@myperkstreet.com. If you have a question about an existing account, please log in at myperkstreet.com and send us a secure email.
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Absolutely. We’ll send you a free book of checks when you open your account. Additional books of checks are available in many colors and vary in price.

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You can withdraw cash without a charge at one of 37,000 ATMs within the STARsf® surcharge-free network or at any merchant that offers cash back with purchases.

To get cash back at a merchant, you need to select the “debit” option and will need to enter your PIN. Remember, however, that you do not earn perks for PIN transactions but it’s a good way to get cash without a fee if you cannot get to an STARsf® ATM.

You may also use ATMs outside of the STARsf® surcharge-free network but you’ll pay a $2 fee plus any fee the ATM owner may charge.

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STARsf® is a surcharge-free network of 37,000 ATMs. STARsf® is the oldest and largest surcharge-free network in the nation. Like other banks and credit unions, PerkStreet has partnered with STARsf® to give customers free access to cash. STARsf® ATMs are conveniently located at places our customers visit regularly such as Target®, Costco®, CVS®, 7-Eleven® and Walgreens® so you'll never have to worry about making a special trip to a bank branch to get cash.

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Yes, the daily ATM limit is $500. For fraud and security reasons, we limit the total amount of money you may withdraw from an ATM to $500 each day. However, if you need to have this limit adjusted, please call us at 866.792.2834.

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Yes, the daily debit card limit is $1,500. For fraud and security reasons, we limit the total amount of money that can be spent out of an account to a total of $1,500 per day. However, if you need to have this limit adjusted, you can always call one of our agents to make the request. This is separate from the $500 daily limit on ATM withdrawals.

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We update your account transaction information online each business day.

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Call 866.792.2834 as soon as you notice your card is missing. We'll cancel your card and send you a new one right away.

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PerkStreet checking accounts do not pay interest on account balances, instead, we give you 1% cash back, music and coffee perks when you use your debit card.

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Following is a list of the most common deposit types and the time it takes for the money to become available from the time we receive your deposit:

  • Direct deposit of your paycheck: Same day
  • PerkStreet checks: 1 business day
  • Checks from other banks:
    • $100 within 1 business day
    • The balance within 5 business days
  • ATM deposits: 5 business days

Here is the complete list of all types of deposits and how long it will take for the funds to be typically available:

Same Business Day Availability
Pre-authorized electronic deposits (Direct Deposit of your paycheck, electronic Social Security disbursements, etc)
Wire transfers
First Business Day Availability
U.S. Treasury checks
U.S. Postal Service money orders
Checks drawn on the bank
Automated telephone transfers
Online transfers
First $100 of any non-PerkStreet check
Second Business Day Availability
State and local government checks
Cashier's checks
Certified checks
Federal Reserve Bank checks
Federal Home Loan Bank checks
Fifth Business Day Availability
Remaining balance of any non-PerkStreet check
ATM deposits
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Yes, you can set up your account so that you can receive alerts via email or SMS text message to let you know when your account balance is greater or less than a specified amount. Don’t forget that your cell phone carrier’s normal rates will apply to receiving messages.

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Yes, you can customize your account so that you can receive alerts via email or SMS text message to let you know when your account balance is greater or less than a specified amount. Don’t forget that your cell phone carrier’s normal rates will apply to receiving messages.

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