Zeta Account Fees
Effective 07/31/2024
Our current fee schedule – for fair and transparent banking.
FEE SCHEDULE FOR ZETA ACCOUNTS
| Item | Description | Fee |
|---|---|---|
| Account Opening Fees | Fee to apply and open your Zeta Account. Not here. | $0.00 |
| Account Maintenance Fees | Fees for maintaining your Zeta Account. Nonezo. | $0.00 |
| Inactive Account Fees | If your account is inactive for more than 90 days, some banks charge you a fee. At Zeta, we don't. | $0.00 |
| Card replacement | First card is free; subsequent replacements have a fee. Expired cards are not subject to this fee. | $5.00 |
| ATM Fees | You will pay a fee every time you withdraw money from an ATM. The ATM operator may charge an additional fee which Zeta does not benefit from. If you are a Zeta VIP customer, Zeta will reimburse one ATM transaction per account per month, including any Zeta issued ATM fees and external ATM fees up to $2.50. | $2.50 |
| Foreign Transaction Fees | You'll pay a foreign transaction fee for international purchases. | 2.75% |
| Instant Transfer Fee | You'll pay a fee when you choose to transfer funds using a debit card. | 1.75%* |
| 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 |
| Returned Item Charge | Unpaid transactions posted against insufficient or held funds. | $25.00 (per item) |
| Stop Payment | Fee when customer asks us to stop payment after transaction has been initiated. | $25.00 (per payment) |
| Sending a check | Fee to mail a check from your Zeta Account. Fees waived for Zeta VIPs. | $2.00 |
| Incoming Domestic Wire | There are no incoming wire fees. | $0.00 |
| Outgoing Domestic Wire | Fee 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 |
* The minimum instant transfer amount is $35.00. 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 01/01/2025, 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: 1.94% 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.