You have many ways to add funds to your account. Go to the main Accounts tab and click “Add Funds.” From there, you will see a list of different options: Via External Debit Card, Via Wire Transfer (1-2 days to clear, no limit), Connecting your bank account (2-3 days to clear, $60,000 limit), and Direct Deposit (connect payroll provider or set up deposit through your employer). Choose which option you would like to use.

After your 1st deposit you can request your card. Go to the main Accounts tab and click on the button that says: “Request Your Physical Card” and fill out the address information. It will take up to 3 business days to arrive.You can also create virtual cards and start using them right the way.

Go to the main Accounts tab and click “Pay Bill.” You may copy and paste the Routing and ACH Account information and pay your bill, or you can click on “New Payment Using Concierge” and take a picture of your bill using the phone camera, upload a picture of your bill from your phone’s camera roll, or upload a file/document. 1% cashback is valid for all credit card bill payments when paid through ACH (limited to $20/mo).

The money in joint accounts belongs to both owners. Either person can withdraw or spend the money at will — even if they weren’t the ones to deposit the funds. The bank makes no distinction between money deposited by one person or the other, making a joint account useful for handling shared expenses. But a joint bank account should only be opened with someone whom you trust since that person has equal control over the account’s funds.