We don't charge interest and we don't believe in late fees.
We keep the lights on with a $5.99 monthly fee for up to $2,000 balance to pay bills. You only pay the monthly fee if you have active bills being paid off. If you're not using us in a given month it's completely free and there's no fee.
All card payments contain a 1.5% + 20c processing fee. We're constantly working on getting this lower.