Zeta Joint Card Fees

Fees effective 6/15/2022

Our current fee schedule – for fair and transparent banking.


Item Description Fee
Account Opening Fees Fee to apply and open your Zeta Joint Account. Not here. $0.00
Account Maintenance Fees Fees for maintaining your Zeta Joint 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
New Card Fees Lose your card and need a new one? Also free. $0.00
In-network ATM Fees No fees at any in-network Allpoint ATMs. $0.00
Out-of-network ATM Fees You will pay a fee every time you withdraw money from an out-of-network ATM. The ATM operator may charge an additional fee which is Zeta does not benefit from. We're unable to reimburse out-of-network ATM fees. $2.50*
Foreign Transaction Fees You’ll pay a foreign transaction fee for international purchases. 2.75%
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)
Incoming Domestic Wire There are no incoming wire fees. $0.00
Outgoing Domestic Wire Fee for all outgoing domestic wires. $20.00

*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.

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.

Zeta 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.