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Limits, Fees, Rates & Charges

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
Yes
No
Yes
Yes
Transactional Fees
Internal Transfers
$0
Incoming Wires (USD)
$25
Outgoing Wires (USD)
Up to $100,000
$70
> $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
06 Months
4.25%
$500
$1,000
5 Months of Interest
12 Months
5.50%
$500
$1,000
6 Months of Interest
18 Months
5.25%
$500
$1,000
6 Months of Interest
24 Months
5.05%
$500
$1,000
6 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

Areti Bank International Inc.

Fees, Rates & Charges

Account

Personal Banking

Business Banking

Type

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

Minimum 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

Yes

No

Yes

Yes

Transactional Fees

Internal Transfers

$0

Incoming Wires (USD)

$25

Outgoing Wires (USD)

Up to $100,000

$70

> $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

$10

Early Account Closure (Before 6 Months)

$100

Account Closure

$50

Inactive Account Fee

N/A

Dormant Account Fee

$50

Account Investigation

$50

Compliance Investigation

$50 (hour)

Local Messaging

$40

International Messaging

$80

Over the Limit Transaction

$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

06 Months

4.25%

$500

$1,000

5 Months of Interest

12 Months

5.50%

$500

$1,000

6 Months of Interest

18 Months

5.25%

$500

$1,000

6 Months of Interest

24 Months

5.05%

$500

$1,000

6 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.