Referral Terms & Conditions

Last updated: April 5, 2022

Terms and Conditions: In order for the referring Zeta member (“Referrer”) to qualify and receive the monetary referral reward, and for the referred person (“Referred”) to qualify and receive the monetary referral reward (“Referral Reward”), all of the following conditions must be satisfied:

  1. Referrer is an active Zeta Joint Cards customer, with an open Zeta Account (“Account”), who is in good standing, as determined solely by Zeta. An account is considered to be an approved open Zeta Joint Cards account.

  2. Referred has not previously opened or initiated the Account Creation processes or a Zeta Account prior to clicking on Referrer’s Referral Link. Referral reward payouts are determined by the date of the Referred party’s account creation process (“Account Creation”), as determined by when the Referred enters an email address and password.;

  3. Referred opened a new Account after February 1, 2022.;

  4. Referred opened the new Account using the Referrer’s unique link (“Referral Link”) within 30 days of clicking on Referrer’s link; and

  5. Referred party received, in the new Account, a single qualifying direct deposit of $200.00 or more within 60 calendar days of opening their Zeta Account. A qualifying direct deposit is a direct deposit from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Zeta deems to not be a qualifying direct deposit are not qualifying direct deposits. Referrers may earn no more than $250 per month nor $1,000.00 in monetary referral rewards per calendar year (January 1, 2023 – December 31, 2023). 

  6. In the event of multiple members of a Referred party onboarding onto the same Account, only one Referral Reward will be paid per new Account, as determined solely by Zeta.

  7. We reserve the right to investigate any suspicious or inappropriate activity relating to the Referral Program. Notwithstanding any provision of these Referral Terms, we are not obligated to pay any Referral Rewards if we determine, in our sole discretion, that (a) the Account Creation Process completed by a Referred is not a bona fide transaction, including, without limitation, if a Referred party uses a Referral Link to register for more than one Zeta Account; or (b) either Referrer or Referred party has engaged in any fraudulent or deceitful behavior in connection with the Referral Program, including, without limitation, if Referrer, directly or indirectly, offers any person a financial or other incentive to complete the Account Creation Process using a Referral Link or attempts to redirect traffic from, or divert Referral Rewards from, any other participant in the Referral Program. We reserve the right, in our sole discretion, to delay payment of any Referral Rewards while we investigate your participation in the Referral Program or any use of your Referral Links.

  8. Qualifying Referral Rewards will generally be provided within seven (7) business days after all the above conditions are met. The Referrer’s account must be in good standing in order to receive the referral reward. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referred’s establishment of a new Account or status of account funding. 

  9. Zeta reserves the right to cancel or modify the terms of any referral reward offer or terminate a member’s eligibility at any time with or without prior notice. 

  10. Credits of $10 or more will be reported on tax form 1099-INT for new members (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Zeta members (Referrers). 

Banking services are provided by Piermont Bank, Member FDIC.

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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.