Zeta Account Fees

Effective 03/08/2024

Our current fee schedule – for fair and transparent banking.


additional fee which is Zeta does not benefit from. We're unable to reimburse out-of-network ATM fees.funds in your account, and the bank is required to send that money to creditors to satisfy your debt.
Account Opening FeesFee to apply and open your Zeta Account. Not here.$0.00
Account Maintenance FeesFees for maintaining your Zeta Account. Nonezo.$0.00
Inactive Account FeesIf your account is inactive for more than 90 days, some banks charge you a fee. At Zeta, we don't.$0.00
Card replacementFirst card is free; subsequent replacements have a fee. Expired cards are not subject to this fee.$5.00
In-network ATM FeesNo fees at any in-network Allpoint ATMs.$0.00
Out-of-network ATM FeesYou will pay a fee every time you withdraw money from an out-of-network ATM. The ATM operator may charge an$2.50*
Foreign Transaction FeesYou'll pay a foreign transaction fee for international purchases.2.75%
Instant Transfer FeeYou'll pay a fee when you choose to transfer funds using a debit card.1.75%**
LevyFee when legal action is needed to allow creditors to take funds from your bank account. Your bank freezes$75.00
Returned Item ChargeUnpaid transactions posted against insufficient or held funds.$25.00 (per item)
Stop PaymentFee when customer asks us to stop payment after transaction has been initiated.$25.00 (per payment)
Sending a checkFee to mail a check from your Zeta Account. Fees waived for Zeta VIPs.$2.00
Incoming Domestic WireThere are no incoming wire fees.$0.00
Outgoing Domestic WireFee for all outgoing domestic wires.$20.00
Yearly Fee - Taxes+Fee to access our premium feature focused on taxes.$20.00
Monthly Fee - Automation+Fee to access our premium features focused on automation.$9.99 per month / household
Yearly Fee - Automation+Fee to access our premium features focused on automation.$83.88 per year / household

* If you use an ATM that is not an Allpoint ATM, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Zeta Account.

** The minimum transfer amount is $10.00, and the minimum fee is $0.50. A fee will be assessed to all Zeta customers who use the service.

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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.