Here are the details regarding each of our types of accounts and the limits associated with using them:

Regular Accounts

Account Balance Limits

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$40000

**Daily Maximum Number of Loads allowed

34

***Monthly Maximum Number of Loads allowed

120

Maximum Allowed Card Balance

$50000

Card Transaction Limits

***Monthly Total Maximum Load Amount allowed

$40000

**Daily POS Limit

$9000

**Daily ATM Limit

$610

ATM Transaction Limit (per withdrawal)

$300

ATM Count Withdrawal

5

Direct Deposits

Maximum Amount Per Transaction

$20000

Minimum Amount Per Transaction

NA

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$20000

**Daily Maximum Number of Transactions allowed

10

***Monthly Maximum Number of Transactions allowed

60

Inbound e-Transfers

Maximum Amount Per Transaction

$5000

**Daily Total Maximum Load Amount allowed

$5000

***Monthly Total Maximum Load Amount allowed

$20000

**Daily Maximum Number of Transactions allowed

10

***Monthly Maximum Number of Transactions allowed

60

3rd Party e-Transfers (from friends, family, business accounts to KOHO)

Maximum Amount Per Transaction

$999

**Daily Total Maximum Load Amount allowed

$999

***Monthly Total Maximum Load Amount allowed

$10000

**Daily Maximum Number of Transactions allowed

5

***Monthly Maximum Number of Transactions allowed

30

Outbound e-Transfers

**Daily Maximum Amount

$3000

**Daily Maximum Amount Per Transaction

$3000

KOHO-to-KOHO

K2K Transfer Limit - per transfer

$1500

K2K Transfer Inbound Limit - daily**

$2500

K2K Transfer Outbound Limit - daily**

$2000

K2K Transfer Number of Transfers Limit - daily**

10

K2K Transfer Limit - monthly***

$20000

K2K Transfer Number of Transfers Limit - monthly***

60

Pre-Authorized Debits

Number of PADs Per Month***

20

Pre-authorized debit limits vary by merchant, so please reach out to us in-app to verify the limit prior to setting one up.

Debit Card Load

Maximum Amount Per Transaction

$1500

**Daily Total Maximum Load Amount allowed

$1500


Premium Accounts

Account Balance Limits

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$60000

Maximum Allowed Card Balance

$50000

**Daily Maximum Number of Loads Allowed

40

***Monthly Maximum Amount of Loads Allowed

150

Card Transaction Limits

Maximum Amount Per Transaction

$9000

**Daily POS Limit

$9000

**Daily ATM Limit

$810

ATM Transaction Limit (per withdrawal)

$405

ATM Count Withdrawal

5

Direct Deposits

Maximum Amount Per Transaction

$20000

Minimum Amount Per Transaction

NA

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$30000

**Daily Maximum Number of Transactions allowed

10

***Monthly Maximum Number of Transactions allowed

60

Inbound e-Transfers

Maximum Amount Per Transaction

$5000

**Daily Total Maximum Load Amount allowed

$10000

***Monthly Total Maximum Load Amount allowed

$40000

**Daily Maximum Number of Transactions allowed

20

***Monthly Maximum Number of Transactions allowed

120

3rd Party e-Transfers (from friends, family, business accounts to KOHO)

Maximum Amount Per Transaction

$999

**Daily Total Maximum Load Amount allowed

$999

***Monthly Total Maximum Load Amount allowed

$10000

**Daily Maximum Number of Transactions allowed

5

***Monthly Maximum Number of Transactions allowed

30

Outbound e-Transfers

**Daily Maximum Amount

$3000

**Daily Maximum Amount Per Transaction

$3000

KOHO-to-KOHO

K2K Transfer Limit - per transfer

$1500

K2K Transfer Limit (inbound) - daily**

$2500

K2K Transfer Limit (outbound) - daily**

$2000

K2K Transfer Number of Transfers Limit - daily**

10

K2K Transfer Limit - monthly***

$20000

K2K Transfer Number of Transfers Limit - monthly***

60

Pre-Authorized Debits

Number of PADs Per Month***

20

Pre-authorized debit limits vary by merchant, so please reach out to us in-app to verify the limit prior to setting one up.

Debit Card Load

Maximum Amount Per Transaction

$1500

**Daily Total Maximum Load Amount allowed

$1500


Joint Accounts

Account Balance Limits

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$40000

**Daily Maximum Number of Loads allowed

20

***Monthly Maximum Number of Loads allowed

60

Maximum Allowed Card Balance

$50000

Card Transaction Limits

Maximum Amount Per Transaction

$4000

***Monthly Total Maximum Load Amount allowed

$20000

**Daily POS Limit

$4000

**Daily ATM Limit

$610

** Daily ATM Transaction Limit

$305

** Daily ATM Count Withdrawal

5

Direct Deposits

Maximum Amount Per Transaction

$20000

Minimum Amount Per Transaction

NA

**Daily Total Maximum Load Amount allowed

$20000

***Monthly Total Maximum Load Amount allowed

$30000

**Daily Maximum Number of Transactions allowed

10

***Monthly Maximum Number of Transactions allowed

60

KOHO-to-KOHO

K2K Transfer Limit - per transfer

$1500

K2K Transfer Limit - daily**

$2500

K2K Transfer Number of Transfers Limit - daily**

10

K2K Transfer Limit - monthly***

$20000

K2K Transfer Number of Transfers Limit - monthly***

60

Pre-Authorized Debits

Number of PADs Per Month***

20

Pre-authorized debit limits vary by merchant, so please reach out to us in-app to verify the limit prior to setting one up.

Outbound e-Transfers

Maximum Amount Per Transaction

$3000


KOHO Lite (Unverified) Accounts

Account Balance Limit

Maximum Card Balance

$900

Card Transaction Limits

*Daily Limit Per Transaction

$900

*Daily Limit

$900

Load Limits (to add funds to your KOHO account)

Direct Deposit

Not available - must verify identity

Maximum Number of Cumulative Loads Per Day*

20

Maximum Number of Cumulative Loads Per Month**

20

Maximum Amount Per Single Load Transaction

$900

Maximum Daily* Cumulative Load Amount

$900

Maximum Monthly** Cumulative Load Amount

$4000

Daily* e-Transfer Load Amount

$900

Number of e-Transfer Load Transactions Per Day*

10

Monthly** e-Transfer Load Total Amount

$4000

Number of e-Transfer Load Transactions per Month**

20

Outbound e-Transfer Limits - No Access (Must Verify Identity)

KOHO to KOHO (K2K) Transfer Limits - No Access (Must Verify Identity)

Other Important Information

The account balance limit refers to the "total balance" (inclusive of Spendable, RoundUps, Goals, and Vault).

* KOHO Maximum Card Balance Limit for KOHO users who have opted into earning interest is $200,000. All other limits will continue to apply. If you choose to opt out of earning interest, limits pertaining to your specific product, either KOHO Regular or KOHO Premium, including KOHO Maximum Card Balance, will apply.

**Daily: Rolling 24 hour period. All transactions made within a 24 hour period will count toward your daily limit.

***Monthly: Rolling 30 day period. All transactions made within a 30 day period will count toward your monthly limit.

For assistance in calculating the rolling periods, please reach out to us within our in-app chat.

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