Electronic Funds Transfer Authorization

Single or Recurring Transfer

I acknowledge that the Transfer Funds feature allows me to electronically transfer funds via the automated clearing house (“ACH”) between my eligible Zeta Account and my External Account(s) at other institutions once I have successfully registered my External Accounts(s), or successfully registered my debit card from another institution.

I hereby represent and warrant that I have all necessary right, power, and authority to debit and credit the External Account or debit card identified in the transfer order being executed and that all information entered in the transfer order is complete and accurate. I agree that the ACH transactions I authorized comply with all applicable laws.

For transfers using my debit card, I understand Zeta will charge a fee per transaction. This fee will be withdrawn from my Zeta Account.

Should an incorrect amount be withdrawn from or deposited to my External Account(s) or my Zeta Account(s), I authorize Zeta to correct the error by debiting/crediting my External Account(s) or my Zeta Account(s).

This authorization is to remain in full force and effect until Zeta has received electronic notification from me of its termination in such time and in such manner as to afford Zeta a reasonable opportunity to act on it. I will send my notice to Zeta via the message feature within the Zeta App.

I acknowledge that the origination of these transactions must comply with the provisions of applicable law and the rules of the National Automated Clearing House Association (NACHA) and other applicable card networks. I request the financial institution that holds my External Account to honor all transfers in accordance with this authorization form.

Authorization for Credits and Debits when Adding a new External Account

I acknowledge that Online Banking allows me to link an account owned by me at another financial institution or a debit card owned by me from another institution for the purposes of transferring funds via the automated clearing house (“ACH”) or applicable card network.

To complete this process for an External Account, I hereby authorize two micro-deposits and a debit in the same amount to the account I have supplied for this process.

I hereby represent and warrant that I have all necessary rights, power, and authority to debit and credit the External Account for these transactions and that all information entered in the process is complete and accurate. I agree that the ACH and debit card transactions I authorized comply with all applicable laws.

This authorization is to remain in full force and effect until Zeta has received electronic notification from me of its termination at such time and in such a manner as to afford Zeta a reasonable opportunity to act on it. I will notify Zeta via the message feature within the Zeta App.

I acknowledge that the origination of these transactions must comply with the provisions of applicable law, the rules of the National Automated Clearing House Association (NACHA), and the rules of the applicable card network. I request that the financial institution that holds my External Account or debit card honor all transfers in accordance with this authorization form.

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1Zeta is a financial technology company, not a bank. Banking services provided by Piermont Bank; Member FDIC. All deposit accounts of the same ownership and/or vesting held at the issuing bank are combined and insured under an FDIC Certificate of $250,000 per depositor. The Zeta Mastercard® Debit Card is issued by Piermont Bank, Member FDIC, pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted.

2Zeta Annual Percentage Yield (APY) is effective as of 05/01/2023, for customers who qualify for VIP status. Minimum amount to open an account is $0.00. Minimum balance to earn the APY is $0.01. Interest rates are as follows: 2.43% APY applies to the entire balance for customers who qualify for VIP status. Interest rates may change after the account is opened. Fees may reduce earnings.