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finder.com’s rating: 3.8 / 5.0
★★★★★
Porte is an online-only banking account that matches 0.05% of every purchase you make and donates it to a participating charity of your choice. Porte also lets you get paid early and earn rewards through participating businesses. But it lacks in customer support if you’re not already a customer.$0 per month
Fee
APY | N/A |
---|---|
Fee | $0 per month |
ATMs | Free withdrawals at 32,000 MoneyPass® ATMs located around the United States. |
ATM transaction fee | $0 |
Out-of-network ATM fee | $2.50 |
Overdraft fee | $20 |
Review by
Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.
With Porte you’ll also get paid early and you have the potential to earn up to 10% in cashback rewards. But unlike most checking accounts that allow you to earn rewards on most purchases, you’ll only earn cash back with Porte when you make a purchase through one of their participating retailers, which changes every four to six weeks.
If you don’t shop at any of its selected participating businesses, you might earn more with other rewards checking accounts like LendingClub Rewards Checking where you’ll earn 1% cashback on any online or signature-based purchase you make, plus up to 0.15% APY depending on your account balance.
Also, for an online bank, Porte lacks in customer service. I tried calling Porte several times, but the system doesn’t let you through if you’re not a current customer. If you have any questions before signing up for this account, you’re limited to email.
Opening a Porte Banking account takes about five minutes.
To open a Porte Banking account, you must meet these requirements:
Have this information ready when applying for an account.
If you’re after more customer service options or higher rewards, explore other rewards checking accounts.
Use this table to compare checking accounts based on fees, ATM networks and initial required deposits.
You can deposit funds into your Porte Banking account in any of the following ways.
Withdraw funds from your Porte Banking account in any of the following ways.
If you have questions about Porte Banking or need help with your account, contact the company in the following ways.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.