Zirtue Bank Account Fees

Account setup

$0.00

No fee to setup an account.

Monthly fee

$0.00

No monthly fees.

Annual fee

$0.00

No annual fees.

Receive money using Direct Deposit

$0.00

No fee when money is added using Direct Deposit.

Funding Borrowers & Repaying Lenders

Debit Card → Debit Card Loan Initial Payment

(1.5% * Loan Amount) + $0.20 + $0.50

Lender funds a loan using a debit card. Borrower receives money using debit card.

ACH → ACH Loan Initial Payment

$0.06

Lender funds a loan using ACH account. Borrower receives money using ACH account.

Debit Card → Debit Card Loan Repayment (over the lifetime of the loan)

(1.5% * (Loan Amount * 105%)) + ($0.20 + $0.50) * Months of repayment

Borrower repays loan with a debit card (Pull from B). Lender receives money using a debit card (Push to L)

ACH → ACH Loan Repayment (over the lifetime of the loan)

$0.06 * months of repayment

Borrower repays loan with ACH account. Lender receives money using ACH account.

Funding Loans for Bill Pay

ACH → Partner Initial Payment

$0.06

Lender funds a loan with a ACH account. Loan is for corp partner.

Debit Card → Partner Initial Payment

(1.5% * Loan Amount) + $0.20 + $0.03

Lender funds a loan with a debit card. Loan is for corp partner.

ACH → RPPS

$0.20 + $0.03

Lender funds a Borrower's loan with a ACH account. Loan is for corp partner.

Other Fees

Customer service (automated)

$0.00

No fee to call our automated Customer Service line.

Customer service (live agent)

$0.00

No fee to call a Customer Service agent.

Real-time alerts

$0.00

No fee to receive real-time alerts on your phone. Standard text messages & data rates may apply.

Account statements

$0.00

No fees for CSV copies of your account statements.

Transaction declines due to insufficient funds

$0.00

No fees for declines due to insufficient funds.

Key

External Card → Internal ACCT

1.5% * Amount + $0.20

Internal ACCT → External Card

$0.50

Any ACH

$0.03

Any Same Day ACH

$0.08

Any RPPS

$0.15

Account Limits

Inbound ACH

$10,000

Outbound ACH

$10,000

Inbound Interchange (Debit Card)

$10,000

Outbound Interchange (Debit Card)

$10,000

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