About PerkStreet Financial

PerkStreet Financial believes that banks should align their goals with their customers' best interests to give them what they want and need - and that it's possible to build a successful business this way. PerkStreet Financial brought together an FDIC-insured financial institution (The Bancorp Bank), the largest surcharge-free ATM network and some of the best retail brands in the country to deliver an online checking account.
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Overall Rating

MyBankTracker rated PerkStreet Financial based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.


MyBankTracker Rating

Customer Rating
Based on 192 Reviews
Financial Health
Based on Texas Ratio: 0
Bank Fees
vs. Average
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Most Helpful Customer Reviews

Alpinedist's Profile Image

Reviewed by Alpinedist

Jul 20th 2013

5 out of 5 marks

I love these guys, mostly.

PerkStreet was advertising on the radio just as my old bank, Washington Mutual, was being assimilated in to Chase. I hate Chase. The shift to PerkStreet was quite smooth. When I call them, a human is are always there and is always helpful. I was not happy when they dropped the debit card rebate from 2% to 1% but even at 1% it is better than any local bank. Online access and bill pay are excellent.

Is this review helpful? ▲ Yes 1 ▼ No 0

tommyd's Profile Image

Reviewed by tommyd

Apr 9th 2012

5 out of 5 marks

Absolutely the best banking experience we've ever had!

Switching from a traditional brick-and-mortar bank to PerkStreet was different at first, but now that it's been about a year and a half... I wish I had known sooner!

We earned more than $400 in Perks last year, compared to the 0.01 return with the "big bank" made us so much happier.

I wondered what the customer service experience would be like - and we've called them a few times for various reasons. Each time I felt like the employee TRULY cared about helping us and appreciated our business. That's the first time I felt that with our personal banking. PerkStreet is OUTSTANDING!

Is this review helpful? ▲ Yes 2 ▼ No 1

Carrie S's Profile Image

Reviewed by Carrie S

Mar 6th 2012

5 out of 5 marks

A Bank That's Focused On My Financial Success

Even after the recent change in perks and dropping the 2% cash back option, perkstreet is still the best bank by far! They made the change to help 90% of their customers, and still have the best deal when it comes to earning cash back with a debit card. I love their customer services, friendliness, response time to questions and all the other perks that come with this bank. They don't nickel and dime me, and are truly interested in my personal financial success.

Is this review helpful? ▲ Yes 2 ▼ No 5

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Bank Rates

PerkStreet Financial<sup>SM</sup> MasterCard® Debit Card



1.00% - 20.00%

PerkStreet Financial<sup>SM</sup> MasterCard® Debit Card



1.00% - 20.00%

Banking Fees

Type Fee National average
Monthly Inactivity


Applied every month with no activity


Non-Sufficient Fund (Overdraft)



Stop Payment item



Return Deposit



Domestic Wire Transfer (Outbound)



Domestic Wire Transfer (Inbound)



Non-Bank ATM


Free if you use a STARsf surcharge-free network