This article covers all limits for all transactions types, including those coming into your North One Account (like cash deposits or incoming wires/ACHs) as well as those going out of your North One Account (like card transactions or outgoing wires/ACHs).
Incoming transfers and deposits
Transaction Type | Frequency and/or Dollar Limits |
Direct deposit
| No limit to the number of transactions per day. No maximum dollar limit. |
Incoming Automated Clearing House (ACH) Transfer¹ | No limit to the number of transactions per day. Maximum of $500,000 per deposit, per day. |
Incoming Wire Transfer | No limit to the number of incoming wires transfers per day. No maximum dollar limit. |
Automatic balance top-up and External account transfers (transfers initiated through Plaid)² | Sole Props / Partnerships: $500 maximum, per transfer and per month. 10 ACHs maximum per month.
LLCs / Corps: $30,000 maximum per transfer and per month. 10 ACHs maximum per month.
The limits above are the combined total for both balance top-ups and external Account transfers. |
Cash Deposits via GreenDot®³ | Maximum of 4 loads, for a total of $1,500 per day. Maximum of 7 loads, for a total of $3,500 per week. Maximum of 20 loads, for a total of $5,000 per month. Note: Individual GreenDot locations may impose lower limits on cash transfers. |
Mobile Check Deposit | No limit to the number of checks per day. $5.00 minimum check value. $50,000.00 limit per check. $50,000.00 limit per rolling 24-hour period. $50,000.00 limit per rolling 30-day period. |
Outgoing Transfers
Transaction Type | Frequency and/or Dollar Limit |
Card Transactions | No limit to the number of transactions per day. Up to $5,000.00 combined total per day.⁴
This total is shared between the virtual and physical cards.⁵ |
Outgoing ACH Payments | No limit to the number of transactions per day, up to $50,000.00 per day. Maximum $1,500,000.00 per calendar month. |
Outgoing Wire transfers (Domestic only) | No limit to the number of wires sent per day. Maximum of $200,000.00 per wire, per calendar day. Maximum $6,000,000 per rolling 30-day period. |
Cash Withdrawal (ATM)⁶ | 5 transactions per day. $2,000.00 per transaction; up to $2,000.00 per day. |
Physical Check Bill Pay | No limit to the number of physical check bill payments per day. Maximum of $100,000.00 per check. |
Digital Bill Pay | No limit to the number of digital bill payments per day. Maximum of $50,000 per payment. |
ACH Debits by a third party (Preauthorized Transfers) | No limit to the number of transactions per day. |
¹ Direct deposits and ACH transfers: The payee name on any direct deposit(s) or ACH Credit(s) we receive must match the business name on the Account. Any such deposits received in a name other than the name registered to the Account will be returned to the originator.The external account you are transferring from must hold at least $100 and 1.5x the transfer amount, at the time of transfer initiation.
² The external account you are transferring from must hold at least $100 and 1.5x the transfer amount, at the time of transfer initiation.
³ Cash Transfer limits and fees via GreenDot® are determined by the participating retail partner and may vary by location.
Please Note: ATM deposits are not available..
⁴ These are the general limits allowed for transactions; however, we may allow you to transact higher volumes than these limits, and we may also lower your limits, in our sole discretion. Please contact us via email at [email protected] or in-app for further information about account limitsWhere applicable, the same transaction limitations as stated in Section C “Transaction Limits” of the Business Deposit Account Agreement apply to Virtual Cards.
⁵ Where applicable, the same transaction limitations as stated in Section C “Transaction Limits” of the Business Deposit Account Agreement apply to Virtual Cards.
⁶ ATM Owner-Operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals.