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answered.
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How long does it take to open an account?
Two minutes. You choose an email and password, then confirm a six-digit code sent to your phone. No branch visit and no documents.
Is there a monthly fee?
No. There is no monthly fee and no fee on a transfer. Interest on the savings account is 2.80% a year, paid monthly.
Can I go below zero?
No. There is no overdraft. A transfer that would take the balance below zero is refused before it is sent, and the screen shows how much is available.
How fast does a transfer arrive?
Usually under ten seconds. While it is in flight you see it as pending, with the time it was handed to the receiving bank.
What is the daily transfer limit?
$5,000.00 a day on the everyday account. The transfer screen shows how much of the limit is left before you send.
What happens if a transfer fails?
Nothing leaves the account. You get the reason it failed and a reference ID to quote to support.
Can I cancel a transfer I already sent?
No. That is why the review screen exists, and why it says so before you confirm rather than after.
How do I know if someone else has signed in?
Every session is listed with device, browser, city and time. If one is not yours, a single action ends them all and prompts a password change.
Will you ever ask for my password or code?
No. Never by phone, email or message. If someone asks, it is not us.
How do I report a problem with a payment?
Open the statement entry and use "Report a problem". You get a case reference, and the transaction reference goes with it.