Zeta Joint Card Fees

Fees effective 8/15/2020

Our current fee schedule – for fair and transparent banking.

Item Description Fee
Abandoned Property After 12 consecutive months of non-use of the account, any funds in the account are considered “abandoned” and are subject to potential escheatment to the state. $50.00 (per account)
Canadian Item Collection Fee charged to cash a Canadian check. $10.00
Daily Overdraft Fee1 Daily fee for overdraft accounts. The fee begins on the 5th calendar day after the first overdraft item and continues for 30 calendar days if the account remains in a negative balance. $5.00 (a day)
Deposited Item Reversal Operational fee for reversal of a deposited item. $8.00
Foreign Item Collection Fee to accept a foreign item for deposit. $30.00
Levy Fee when legal action is needed to allow creditors to take funds from your bank account. Your bank freezes funds in your account, and the bank is required to send that money to creditors to satisfy your debt. $75.00
Paid Non-Sufficient Funds (NSF) Charge2 (ACH, Check, Debit) Paid transactions posted against insufficient or held funds. $25.00 (per item)
Returned Item Charge2, 3
(Check, Debit)
Unpaid transactions posted against insufficient or held funds. $25.00 (per item)
Research Fee for any required bank research needed outside of normal operations or regulations. $25.00 (hourly)
Stop Payment Fee when customer asks us to stop payment after transaction has been initiated. $25.00 (per payment)
Subpoena Fee for our banking partner to respond to legal subpoena. $75.00
Summons Fee for our banking partner to respond to legal summons. $75.00
Money Order Fee to order a money order. $5.00
Treasurer's Check Also known as Cashiers Check. Fee to order a Treasurer's Check. $10.00
Domestic Wire Fee for all outgoing domestic wires. $20.00
International Wire Fee for all outgoing international wires. $40.00


  1. Daily Overdraft Fee begins on the 5th calendar day after first overdraft item and continues for 30 calendar days if the account remains in a negative balance.

  2. Individual over-drafted items of $5.00 or less will not be charged a fee.

  3. A Return Item Charge will not be assessed for ACH items returned or unpaid.

To safely consume this site, we recommend reading this disclaimer. Any outbound links will take you away from Zeta, to external sites in the world wide web. Just so you know, Zeta doesn’t endorse any linked websites nor do we pay/bribe anyone to appear on here. Any reference to prices on the site are just estimates; actual prices are up to specific merchants and their current desire to charge you for things. Also, nothing on this website should be construed as investment advice. We’re here to share our favorite tools, tactics and tips for managing your money together. This content is for your responsible consumption. Please don’t see this as a recommendation to buy specific investments or go on a crypto-binge. Lastly, we 100% believe that personal finance is exactly that, personal. We may sometimes publish content on this website that has been created by affiliated or unaffiliated partners such as employees, advisors or writers. Unless we explicitly say so, these post do not necessarily represent the actual views or opinions of Zeta.

By using this website, you understand the content presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy.

The Zeta Joint Card and Joint Account is offered by Radius Bank, Member FDIC. Zeta Help Inc. is a service provider of the issuing bank. All deposit accounts of the same ownership and/or vesting held at the issuing bank are combined and insured under an FDIC Certificate, up to $500,000. The Zeta Joint Debit Card, provided by MasterCard, may be used everywhere where MasterCard Debit Cards are accepted.