How does the overdraft protection work?


To help you avoid overdraft fees when we withdrawal your money, Tortoise check your funding account every time. When the balance in your checking account is large enough to cover the deposit, your money will be withdrawn.




Are there any Hidden fees?


Move funds to and from Tortoise without incurring any service fees.




Why can’t I use a credit card, savings account, or prepaid card as my funding source?


A funding source needs to have a routing and account number, which credit cards and prepaid cards don’t have. Savings accounts have both a routing and account number, but they have a cap of 6 or less transactions per month. Tortoise makes more than 10 transactions per month, which means you would incur a penalty from your bank and we don’t want that to happen.




How do I change my password?


When you open the app, tap the ‘Sign In’ button in the bottom right-hand corner. Under the login fields, tap the words ‘Forgot your password?’, then confirm your email. We’ll send the reset instructions there and prompt you through the next steps.




What do I need to open a Tortoise account?


To open a Tortoise account, you’ll need a checking account from a U.S.-based bank or credit union. You also need to be 18 years of age or older. By agreeing to our Terms & Conditions, you certify you’re 18+ and proof of age and identity may be requested by Tortoise at any time.The money you save with Tortoise is deposited to an FDIC-insured account at Triumph Bank, where it is held by Tortoise for your benefit. The only way to access your funds at Tortoise is through the Tortoise app. You can withdraw some or all of the funds in your Tortoise back to your funding account at any time, free of charge.hy can’t I use a credit card, savings account, or prepaid card as my funding source?




How long does it take to withdraw money from my Tortoise Saving Account?


A withdrawal will take two business days. It will become available in your linked funding account on the second business day after the withdrawal was initiated. Business days do not include holidays or weekends. Since Saturday and Sunday are not business days, withdrawals initiated on Thursday will settle on Monday and withdrawals initiated on Friday will settle on Tuesday.If you are trying to withdraw money that has not yet settled on your Tortoise account, the withdrawal will take three to four business days since the pending transfer to your Tortoise account will have to settle before the money can be sent back.hat should I do if I see ‘Institution Not Responding’ or ‘Institution Down’?




If Tortoise is free, how do you make money?


It’s free for you to use Tortoise. We make money by accruing interest on the savings we hold for you, just like a traditional bank.




Why don’t you guys have a phone number?


We don’t have a phone number because our customer support is optimized for email. We read and respond to every single customer query we receive. It truly is the best way to get in touch with us, we promise!




I don’t live in the U.S., can I still use Tortoise?


Right now we’re only available in the U.S., but we’re a small company with big dreams! We’re trying to operate in Euro countries, but we don’t have a timeline for that yet.




Have additional questions?


We are always available. Please visit the Help Center.




How does the Tortoise work?


You will be able to deposit money into this Tortoise Savings Account by either walking more or by refraining from unhealthy activities such as smoking. For example, every step is valued at $ 0.05 and saving will occur accordingly. In addition, by not buying a pack of cigarettes, users will be able to tap the cigarette icon to deposit a certain number of dollars into your Tortoise Savings Account.




Is Tortoise Safe?


Yes. Tortoise uses the same 256-bit SSL encryption as your bank. Security is of the highest importance. Funds are only available for withdrawal back to the same checking account you used to fund your Tortoise Saving Account, and all Tortoise funds are held with our FDIC Insured Banking Partner.




How do I invite friends?


Tap the friends menu and search for the Facebook friends you would like to invite. Tap their name to send them an invite.
See live visual updates of tour savings and walking steps; share your accomplishments with friends on Facebook.