Here at PerkStreet Financial, we’re dedicated to finding ways to provide as much value as possible to our customers. Part of that goal means developing products to put more money back in the pockets of average Americans like you and me. The other part means finding ways to communicate exactly what we do as a financial institution by answering your questions in a direct and timely manner.
Of course, you can ask us questions 24 hours a day, 7 days a week by calling our customer service line at 866-792-2834. You can also hit us on Facebook, Twitter or right here on the blog by clicking the “Ask PerkStreet Anything” button to the right.
The following questions came straight from blog visitors and have been answered by me, Kyle, as well as Jennifer and Jason. We all work for PerkStreet Financial.
Q: My wife and I use the “envelope system” quite extensively. We are considering your services, but can you tell me what the cap is on daily atm (cash) withdrawls? -CARLOS
A: Thanks Carlos, The envelope system is definitely a cool way to stay on budget that makes being responsible a tangible activity. I’ve been learning more about it from Dave Ramsey, lately, and definitely want to start trying it where it makes sense. Here at PerkStreet, we’re currently working on a way of doing this digitally, which we call PerkStreet Envelopes, but I don’t have a launch date for that new feature yet. PerkStreet Financial lets you withdraw up to $500 from our extensive network of ATMs. (Nobody has more than we do!) -KYLE at PerkStreet
Q: Hi. I recently became a PerkStreet customer but I cannot find the routing number anywhere on your website, in the letters you mailed me or in the emails you sent me. Maybe I missed it. Where can I find that information? Thanks for your help. Happy Thanksgiving! – DAN
A: Dan, So sorry for the confusion. PerkStreet currently has two routing numbers and everyone’s account number is different. In order to find your PerkStreet routing number and your PerkStreet account number, just use this handy PerkStreet Routing and Account Number Lookup Tool. -JENNIFER at PerkStreet
Q: Since you don’t have physical branches, how would a customer go about getting a cashier’s check? -K
A: In an effort to make sure we’re giving the most cash back possible to our customers, we’ve opted to skip the costs creating and implementing this service would mean. As a result, right now, it’s not possible for us to send cashier’s checks to our customers. We haven’t had many inquiries about it so far, so rather than adding things like this that there’s limited demand for, we’re working on providing things people are really looking for. Will this ever be something we make available to our customers? We’re not ruling it out. But it’s not an option today. -JASON at PerkStreet
Q: Can the cash back be just deposited into the account instead of mailing a gift card? -MICHELLE
A: Thanks Michelle. Yes, we do offer an option to redeem your perks directly into your checking account. We added this feature in April 2012, and our customers love it! Because we do not receive discounts on statement credits, like we do with gift cards, statement credits are offered at a different redemption value. This means for every $22 in perks redeemed, you will receive $20 in cash into your account. -KYLE at PerkStreet
Have a question you want to ask us, either about PerkStreet or banking in general? Click the “Ask PerkStreet Anything” button to the right anytime and drop us a line! We will email you when we answer it on the blog! Also, you can always ask us questions on Facebook and Twitter.
Editor’s Note: These posts were updated on 8/7/2012 to reflect changes in PerkStreet’s products.