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How long will it take to deposit money into our account?

Updated at September 12th, 2023

The wait times for the most common types of money transfers are listed as follows: 

Instant Funds Transfer with Zeta Debit Card: 

You can use your Zeta virtual or physical debit card with services like Cash App, Zelle, Venmo, etc. to perform instant funds transfers. Those services may charge a fee to perform those transfer so check with them to be sure what that may be. 

Direct Deposit: 

We will post your direct deposit to your Zeta Account as soon as it is received from your employer or payer. If you have questions about the timing of your direct deposit, contact your employer. We do not hold your deposit and we will send you a push notification as soon as it's posted. 

Bank Transfer Initiated Through the Zeta App: 

Up to 5 business days (Monday-Friday) from the date the transfer was initiated (excluding federal holidays). Also, please note these funds will be held for 5 business days for accounts that are less 30 days old. Accounts that were opened more than 30 days ago will be held for 2 business days. 

Bank Transfers from an External Account: 

These deposits are typically received within 3 business days from the date that the transfer was initiated by the originating bank. Refer to the originating bank for more information on their transfer time frames. 

Check Deposits: 

Checks submitted before 3PM EST on a business day are typically reviewed and accepted by the following business day. Once accepted, $225 will release to your account the following business day. The remainder up to $5,225 will release the day after that, and the remainder over $5,225 will release 2 business days after that.

Merchandise Returns: 

Merchandise returns or refunds can take from 7-10 business days to reflect in your Zeta Account


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