We don't charge interest and we don't believe in late fees.
We keep the lights on with a $5 monthly fee for standard accounts. 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.
Example: If you have a balance greater than $500, we add a flat $5 for any additional balance that you use for the month. An example: Sam and Stacey both have an account balance of $1000. Sam is using $450 in balance while Stacey is using $900. Sam will pay $5 this month while Stacey pays $10.
All card payments contain a 1.6% processing fee.