Increase Technology Fees
If you’re a financial technology platform moving funds for your customers, or you have large corporate balances, we offer custom pricing. Contact us for details.
Monthly fees
Monthly fees for users building on Increase vary by use case
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ACH processing
Same-day ACH origination
$2.00/ transaction
Next-day ACH origination
$0.50/ transaction
ACH returns
$5.00/ transaction
Unauthorized returns¹
$15.00/ transaction
Late return request processing
$25.00/ transaction
Wire processing
Wire origination
$15.00/ transaction
Wire drawdown origination
$15.00/ transaction
Check issuing
Printing and mailing fulfilled by Increase
$3.00/ check
Printing and mailing fulfilled by a third party
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Check deposit
Remote deposit capture
Free/ check
Lockbox check deposits
$1.50/ check
Check returns
$10.00/ check
Card processing
Virtual card creation
$0.25/ card
Physical card creation
First 5 free
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Additional card services
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Real-Time Payments processing
RTP origination
$0.50/ transaction
Request for payments origination
$0.50/ transaction
Account Numbers
Account number creation
First 10 free
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Funds accrue interest when they are in a standard bank account opened directly through the Increase website. Interest is paid to you by Increase's bank partners. Learn more about our bank partner fees and interest.
Dormant / Abandoned Account Fees
Accounts that are inactive for over 12 months will be considered dormant and will be charged a fee of $5 per month. In order to return a dormant account to active status, you must complete a transaction. If your account remains dormant for a time period specified by your state’s law, it may be classified as abandoned and turned over to that state according to its procedures. To recover your funds, you must file a claim with the applicable state agency.

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¹ Unauthorized ACH returns include Return Reason Codes R05, R07, R10, R11, R29 and R51.
² Annual percentage yield
Banking services provided by First Internet Bank of Indiana, Member FDIC. Increase is a financial technology company, not a bank. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through First Internet Bank of Indiana, Member FDIC.