Fees, Rates & Charges
Your complete guide to Areti’s rates and fees — simple, clear, and always up to date.
| Personal Banking | Business Banking | ||||
|---|---|---|---|---|---|
|
|
Virtue Checking Account |
Virtue Saving Account |
Zustennials Saving Account |
Impact Checking
Account |
Impact Saving
Account |
|
Onboarding Fee |
None
|
None
|
None
|
None
|
None
|
|
Required Initial Deposit |
None
|
None
|
None
|
None
|
None
|
|
Monthly Maintenance Fee |
None
|
None
|
None
|
None
|
None
|
|
Minimun Monthly Average Balance Required ¹ |
None
|
None
|
None
|
None
|
None
|
|
*Annual
Percentage Yield
(APY) |
None |
Yes (3,45%) |
Yes (4,50%) |
None |
Yes (3,45%) |
|
Min. Balance
to obtain the
APY* |
None |
$500 |
$50 |
None |
$500 |
|
Transaction
Limitations ³ |
Unlimited |
6 |
6 ² |
Unlimited |
6 |
|
Multicurrency |
Yes |
None |
None |
Yes |
None |
| Transactional Fees | |
|---|---|
|
Internal Transfers |
$0 |
|
Incoming Wires (USD) |
$25 |
|
Outgoing Wires (USD) |
|
|
Up to $100,000 |
$50 |
|
> $100,000 |
0.10% (Max. $500) |
|
Incoming Wires (EUR) |
$25 |
|
Outgoing Wires (EUR) |
|
|
Up to $100,000 |
$100 |
|
> $100,000 |
0.10% (Max. EUR 500) |
|
Returned Transfers |
$70 |
|
Reverse Deposit |
$100 |
|
Wires Amendment |
$50 |
|
Transfer Cancelation |
$10 |
|
Transfer Confirmation (Swift Copy) |
$10 |
| Other Charges and Fees | |
|---|---|
|
Bank Reference |
$10 |
|
Bank Confirmation |
$10 |
|
Bank Statement ⁴ |
$10 |
|
Early Account Closure (Before 6 Months) |
$100 |
|
Account Closure |
$50 |
|
Inactive Account Fee |
N/A |
|
Dormant Account Fee ⁵ |
$50 |
|
Account Investigation |
$50 |
|
Compliance Investigation |
$50 (hour) |
|
Local Messaging |
$40 |
|
International Messaging |
$80 |
|
Over the Limit Transaction ⁶ |
$10 each |
|
Overdrafts |
N/A |
|
Curency Exchange |
0.60% |
| Certificates of Deposit (Personal & Business) | ||||
|---|---|---|---|---|
|
Term |
APY* |
Minimum to Open Personal |
Minimum to Open Business |
Early Withdrawal Penalty |
|
01 Months |
4.00% |
$500 |
$1,000 |
05 Months of Interest |
|
03 Months |
4.35% |
$500 |
$1,000 |
05 Months of Interest |
|
06 Months |
4.45% |
$500 |
$1,000 |
05 Months of Interest |
|
12 Months |
4.50% |
$500 |
$1,000 |
06 Months of Interest |
| Transfers Limits - Areti Online | |||
|---|---|---|---|
|
Type |
Between My Accounts |
A2A
(Areti to Areti Customer) |
A2T
(Areti to Third Party) |
|
Personal |
Unlimited |
Unlimited |
$10,000 |
|
Business |
Unlimited |
Unlimited |
$50,000 |
(1) Means the amount you must maintain as minimum average daily balance to avoid charges.
(2) Transfers from a saving account to another account or to third parties by preauthorized, automatic, or computer transfer or, debit card, or similar order to third parties are limited to six per month.
(3) Limited to daily $100 withdrawal.
(4) Bank Statements are free from Areti Online, if you request a physical Bank Statement it has this cost.
(5) Dormant account condition: 730 days without movements.
(6) For any additional withdrawal over the limit.
Fees and Rates Schedule – Subject to the Areti Bank Banking Agreement
This Fees and Rates Schedule is governed by the terms and conditions of the Account Banking Agreement between Areti Bank International Inc. (“Areti Bank“) and you as a Customer. PLEASE READ THE AGREEMENTS CAREFULLY AS THEY ARE PART OF THE BINDING CONTRACT BETWEEN YOU AND ARETI BANK FOR YOUR ACCOUNT AND DEPOSIT RELATIONSHIP.
This Fees and Rates Schedule is subject to change at any time, but any change will be communicated to you with at least thirty (30) days notice. Also, we reserve the right to charge an application fee as well as apply a different pricing schedule to your account, agreed upon on a case by case basis.
Nevertheless, we commit to always stay transparent with the fees we charge prior to entering into a banking relationship with you.
Last Update: November 14, 2025
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