Zaba fan possibilities

With the basic plan, you get five free transactions, and after that, they charge you about a dollar or two per transaction.

I opened a checking account at Chase just to use that ATM that lets you deposit cash directly onto your card—I’ve got maybe 300-$117...it’s been piling up for years. Now this $1.75 fee is bugging me. What happens if I don't have those $1.75 on the card?

Laura Harris said:I opened a checking account at Chase just to use that ATM that lets you deposit cash directly onto your card—I’ve got maybe 300-$117...it’s been piling up for years. Now this $1.75 fee is bugging me. What happens if I don't have those $1.75 on the card?

Well, now that you've got that Chase account set up, you won't have any more trouble stacking up that cash.

Jerry Morris4 said:Well, now that you've got that Chase account set up, you won't have any more trouble stacking up that cash.

🤣
Fine, let me get this straight—if I don't actually have an income, and my balance just sits there in my checking $0.00 for a few months straight, does that mean I can dodge the service fees?

Laura Harris said:🤣
Fine, let me get this straight—if I don't actually have an income, and my balance just sits there in my checking $0.00 for a few months straight, does that mean I can dodge the service fees?

You won't have $0.00 in your checking account because they'll charge you for all those services and you'll just end up overdrawn. Eventually, you'll 🙂. 😁

Hey everyone, I’ve run into a bit of a situation here and I need some quick cash, like right now, just for a single day. I’m thinking about pulling some money out using my Mastercard, $833 but does anyone actually know what kind of interest rate they hit you with on those cash advances? And more importantly, can I just pay it all back first thing tomorrow morning? I consider myself pretty savvy when it comes to credit cards, but this whole Mastercard cash advance thing is a total mystery to me. Is it even possible to just dump the money back onto the card once it’s a credit account, or am I screwed? Thanks, folks.

Of course you can make a payment, you just head down to the bank with your cash and a Mastercard and deposit it straight onto your credit card account.
If you pay everything back before they run the monthly statement, I guess you won't have to deal with any revolving interest.
But man, they will absolutely skin you alive for withdrawing cash at an ATM; in my experience with RBC for $667, $17 there's a fee for using cash, plus you'll probably get hit with another $2.25 in interest for the withdrawal itself.
That specific interest isn't even related to when you activate the revolving credit line—that's a separate thing, which is usually around 12-13% annually.

I mean, honestly, it feels like dealing with loan sharks or something... 🙂

Laura Harris said:🤣
Fine, let me get this straight—if I don't actually have an income, and my balance just sits there in my checking $0.00 for a few months straight, does that mean I can dodge the service fees?

Well, if there’s no activity on the account at all, then they usually don't charge the standard maintenance fee (I'm talking about the regular checking fee, not the Zaba fan fee), but if you don't keep a minimum of $17 in the balance or if there hasn't been any movement for more than 18 months, some banks might just automatically close the account.

Ryan Carter52, where exactly are you getting this idea that Zabka doesn't charge a maintenance fee if there’s zero activity on the account?
I’ve scoured their website and found nothing to support that—plus, I’m pretty damn certain when I set up my payment assistant, they were hitting me with fees for a $3.00 standard checking account regardless of whether I actually used it or not.

@dustybear9, it all depends on which Mastercard you’re carrying. If you’ve got a revolving card—like a Chase Freedom—you can always deposit funds directly onto it (just use that 72... number or head to a branch and ask them to credit your card). On the other hand, if you’re using a standard Mastercard, you can't deposit straight to the card; you have to put the money into your checking account first so it clears by the next billing date. Keep in mind, every bank charges a fee for using a credit card at an ATM 😉—with a revolving card, you're also staring down interest on that credit line, whereas with a standard Mastercard, it’s "just" the cash advance fee.

Steven Reed said:Ryan Carter52, where exactly are you getting this idea that Zabka doesn't charge a maintenance fee if there’s zero activity on the account?
I’ve scoured their website and found nothing to support that—plus, I’m pretty damn certain when I set up my payment assistant, they were hitting me with fees for a $3.00 standard checking account regardless of whether I actually used it or not.

@dustybear9, it all depends on which Mastercard you’re carrying. If you’ve got a revolving card—like a Chase Freedom—you can always deposit funds directly onto it (just use that 72... number or head to a branch and ask them to credit your card). On the other hand, if you’re using a standard Mastercard, you can't deposit straight to the card; you have to put the money into your checking account first so it clears by the next billing date. Keep in mind, every bank charges a fee for using a credit card at an ATM 😉—with a revolving card, you're also staring down interest on that credit line, whereas with a standard Mastercard, it’s "just" the cash advance fee.

Just speaking from my own experience, I don't have any fancy bundles or special checking plans, just a basic account where I get a couple of deposits a year, and during the months where nothing happens, they don't seem to take anything out at all, I guess.
I also think they have a policy where if you don't have more than $17 in there or show any activity for maybe 6 months, they just close the account automatically.
Actually, I think it used to be 6 months, but maybe it's been a full year now, I'm not entirely sure.

Ryan Carter52 said:Just speaking from my own experience, I don't have any fancy bundles or special checking plans, just a basic account where I get a couple of deposits a year, and during the months where nothing happens, they don't seem to take anything out at all, I guess.
I also think they have a policy where if you don't have more than $17 in there or show any activity for maybe 6 months, they just close the account automatically.
Actually, I think it used to be 6 months, but maybe it's been a full year now, I'm not entirely sure.

You should probably take a look at your transaction history—because whether you're moving money around or not, they are almost certainly hitting you with a service fee. 😉

As for that whole account closure thing, that was a long time ago—back before these fees existed. These days, those monthly fees essentially count as "activity" on the account, whether it's your checking, savings, or foreign currency account.

Lawrence Cruz said:You should probably take a look at your transaction history—because whether you're moving money around or not, they are almost certainly hitting you with a service fee. 😉

As for that whole account closure thing, that was a long time ago—back before these fees existed. These days, those monthly fees essentially count as "activity" on the account, whether it's your checking, savings, or foreign currency account.

The thing is, those fees aren't hitting me at all, because if there's no activity, there shouldn't be a fee, and I guess I'm observant enough to see what my balance looks like at the ATM.
If a monthly fee were actually being taken out, I’d probably be deep in the red by now, especially since nothing has hit this account in five months.
It's the same deal with the statements they mail me every three months when there isn't any activity.
I also have a checking account over at Erste, and when I was opening it, I made sure to ask the teller point-blank what would happen if I didn't use it, and she told me quite clearly that there wouldn't be any maintenance fees if there was no activity.
I honestly don't get why this is such a weird topic?🤷

Wait, are we actually discussing a standard checking account at Zabka????
A USD checking account? Because their website still claims there is a monthly fee $3.00 for those. For foreign currency accounts, they don't charge you $1.75 as long as your average balance stays above $1,000 for the month.
And honestly—I am fairly certain they hit you with a fee $3.00 regardless of whether you actually used the account or not. I have no idea why you aren't being charged, but hey, lucky you 😍

I know RBC and Raiffeisen have those little workarounds based on transaction volume, but from what I gather, Zabka doesn't play that game.

Steven Reed said:Wait, are we actually discussing a standard checking account at Zabka????
A USD checking account? Because their website still claims there is a monthly fee $3.00 for those. For foreign currency accounts, they don't charge you $1.75 as long as your average balance stays above $1,000 for the month.
And honestly—I am fairly certain they hit you with a fee $3.00 regardless of whether you actually used the account or not. I have no idea why you aren't being charged, but hey, lucky you 😍

I know RBC and Raiffeisen have those little workarounds based on transaction volume, but from what I gather, Zabka doesn't play that game.

Well, luck is a funny thing. 🙂
It sounds like a glitch in the system.

I personally know some colleagues over at Chase who haven't been hit with online banking transfer fees for years now. 🙂

If anyone else is getting this kind of "luck," my advice is to stay quiet and enjoy it while it lasts.

Best,

Ryan Carter52 said:The thing is, those fees aren't hitting me at all, because if there's no activity, there shouldn't be a fee, and I guess I'm observant enough to see what my balance looks like at the ATM.
If a monthly fee were actually being taken out, I’d probably be deep in the red by now, especially since nothing has hit this account in five months.
It's the same deal with the statements they mail me every three months when there isn't any activity.
I also have a checking account over at Erste, and when I was opening it, I made sure to ask the teller point-blank what would happen if I didn't use it, and she told me quite clearly that there wouldn't be any maintenance fees if there was no activity.
I honestly don't get why this is such a weird topic?🤷

Either you aren't talking about Chicagočka banka, or you aren't talking about a standard checking account—maybe some other type of account entirely. As for using a Mastercard to withdraw cash, there's no revolving interest involved, so it doesn't matter when you pay it back, but they will certainly charge you a fee for the cash withdrawal.

Look, Kahm—just like the Go Card, it’s basically just a Mastercard. 😉

electricsailor33 said:Either you aren't talking about Chicagočka banka, or you aren't talking about a standard checking account—maybe some other type of account entirely. As for using a Mastercard to withdraw cash, there's no revolving interest involved, so it doesn't matter when you pay it back, but they will certainly charge you a fee for the cash withdrawal.

The maintenance fee for a US dollar checking account isn't charged if there hasn't been any activity on the account for six months, plain and simple.

Lawrence Doyle3 said:The maintenance fee for a US dollar checking account isn't charged if there hasn't been any activity on the account for six months, plain and simple.

And then the whole thing just went sideways...

Lawrence Doyle3 said:The maintenance fee for a US dollar checking account isn't charged if there hasn't been any activity on the account for six months, plain and simple.

Let’s try some basic logic here—if they charge a monthly service fee, that transaction itself counts as account activity. So, how exactly can you claim there’s been zero movement in the last six months? It’s a circular impossibility.
I’m sticking to my guns—Zabka charges a standard monthly fee for checking accounts $3.00 just like it says right on their website. If anyone actually has proof to the contrary, by all means, 😍
post it here.

Fees might be waived during processing, depending on whether the transaction qualifies for free transfers under the Service 1 ALL plan

Lately, this thing keeps popping up every single time I try to buy something. I spent way too much time digging through that stupid "student perks" PDF they sent out, but honestly, it’s total garbage—makes zero sense. If anyone actually understands how this works, please help a brother out.😁

Also, since I'm already stuck browsing this subforum... is Zabka still refusing to work with PayPal?

That error pops up while you're trying to process the order. I'm honestly not sure how many free transactions that Zaba fan actually allows per month. If there’s a free tier, you won't see a charge—but if not, you're looking at a fee of 1-$0.67.

As far as I know, PayPal 🙂 handles things like that.