How Plinqit works.

We have put together our most frequent questions, however if you have any additional questions please contact us via the secure message center within Plinqit or by emailing


We reply within 1 business day.

Is my financial information secure?

Absolutely. Data security is our top priority at Plinqit. We work tirelessly with our partners in the financial security field so that you can focus on your savings goals. All Plinqit apps and web pages use industry leading RSA 256-bit encryption technologies. So your stuff is as safe as can be.

These bank-level security protocols ensure that your data is safe.

What do I need to use Plinqit?

A checking account at a U.S. financial institution.

Are there any fees for using Plinqit?

Using Plinqit is absolutely free. There are no service or usage fees with Plinqit.* Just use, and enjoy. You may choose to elect a ‘break the safe’ penalty to discourage early withdrawal, however this is optional and not required to use Plinqit.

*Normal data and usage rates may apply.

Where are my Plinqit funds (money) held?

Your funds are held with First Bank that makes Plinqit available to you.

Are my Plinqit funds (money) insured?

Absolutely. Your funds are held with First Bank and are FDIC insured.

What can I use to fund my Plinqit savings?

A U.S Checking Account owned by you.

Can I use more than one checking account to fund my Plinqit savings?

Not at this time. Only one checking account may be used to fund your Plinqit savings.

Can I use my credit card to fund Plinqit? No, we do not believe in using credit to fund savings.

No, we do not believe in using credit to fund savings.

Can I use my debit card to fund Plinqit?

Not at this time. Right now you can transfer to Plinqit from your U.S. checking account.

Why can’t I use a savings account to fund Plinqit?

Savings accounts have a maximum of 6 or less transactions per month. Plinqit may make up to 20 transfers per month, which means you would be out of compliance with your savings account and may incur a penalty from the holding financial institution.

Can I change my funding account during a goal?

No, because we do the minimal identity verification possible to get you started quickly, we cannot allow you to change your funding account in the midst of a goal program for compliance reasons.

However, if your checking account has been compromised due to fraudulent activity or if you have to change checking accounts due to a life event (separation, divorce, death in the family, etc.), please contact us via the secure message center within Plinqit or email us at

Contact Us to Find Out More

Send us an email to find out more about Plinqit and we'll get back to you, asap.

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