We want to give you $50

Want more of that Good Life?
Open a Zeta Joint Account with no monthly fees and a ton of smart automation to help you master your shared finances. For a limited time - as a Good Life perk, you'll get an extra $50 when you make a qualifying direct deposit.

See Terms and Conditions.

What's special about Zeta Joint Cards

Our key features


Set up your account
in 5 minutes

Use our envelope system to seamlessly manage your shared financial life in one place. Whether or not you fully combine your finances, Zeta adapts to you so you can manage your money your way.


Let us take over your
money chores

Never miss a bill payment. We'll automatically plan for your bills and set aside funds for them. We'll even make your bill payments via check, debit card or ACH — all handled by us.


Achieve the life you
want, faster

With Goals, break down your savings into dedicated envelopes. Use auto-save to meet your goals quickly — and earn interest on your entire account, with no limits.


& support

In-app messaging keeps you in sync with your team. Stay informed through transaction notifications, spending trackers, and more. You'll also get a dedicated Zeta Concierge — a human who's there to help if you need it.


An account that
grows with your family

Coming soon, you'll be able to add other family members to your account, including more account owners, companions with card limits, and kids. We're also launching personal accounts for those of you who need a joint and individual account.


We keep your money
(and data) safe

Your Zeta account is FDIC-insured up to the standard maximum of $500,000. Plus two-factor authentication & data encryption keep your data secure. We don't store your external login credentials and will never sell your data.

Your Zeta Joint Account also includes these features:

Virtual cards

Virtual cards for added convenience, privacy and control

No monthly account fees

Full transparency; no monthly fees or minimums (other fees may apply)

Earn up to 1.93% APY1

Earn 0.48% APY1 across your entire account balance, with no limits. Boost interest to 1.93% APY with VIP status2

Instant Notifications

Get updates when anyone on your account spends, deposits, or gets a refund

Spending trackers

Set weekly or monthly spending trackers to help you stay within budget

Zeta Concierge

First class human support via in-app messaging for when you need it

Mobile check deposit2

Snap a photo and deposit that check with just a few clicks

Pay someone

Easily send payments to individuals or businesses with ACH, wires, and checks3

55,000 ATMs

Free access to 55,000+ ATMs through the Allpoint network

Contactless payment

Add us to any digital wallet like Apple Play, Google Pay or PayPal

Credit card support

Also have a joint credit card? Link it to Zeta so we can set aside money for when it's due

Bill pay

Automatically organize & set aside money for bills with the option to pay via ACH, check or card

Banking services for the Zeta Joint Card and Joint Account provided by Piermont Bank, Member FDIC. Zeta Help Inc. is a service provider of the issuing bank. All deposit accounts of the same ownership and/or vesting held at the issue bank are combined and insured under an FDIC Certificate, up to $500,000. The Zeta Joint Debit Card, provided by MasterCard, may be used everywhere MasterCard Debit Cards are accepted.

1Zeta Joint Account Annual Percentage Yield (APY) accurate as of 09/1/2022. Minimum amount to open account is $0.00. Minimum balance to earn APY is $0.01. Rate is as follows: 0.48% APY applies to balances over $0.01. Rates may change after account is opened. Fees may reduce earnings.

To safely consume this site, we recommend reading this disclaimer. Any outbound links will take you away from Zeta, to external sites in the world wide web. Just so you know, Zeta doesn’t endorse any linked websites nor do we pay/bribe anyone to appear on here. Any reference to prices on the site are just estimates; actual prices are up to specific merchants and their current desire to charge you for things. Also, nothing on this website should be construed as investment advice. We’re here to share our favorite tools, tactics and tips for managing your money together. This content is for your responsible consumption. Please don’t see this as a recommendation to buy specific investments or go on a crypto-binge. Lastly, we 100% believe that personal finance is exactly that, personal. We may sometimes publish content on this website that has been created by affiliated or unaffiliated partners such as employees, advisors or writers. Unless we explicitly say so, these post do not necessarily represent the actual views or opinions of Zeta.

By using this website, you understand the content presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy.

Zeta Help Inc. 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 and up to $500,000. The Zeta Mastercard® Debit Card is issued by Piermont Bank, Member FDIC, and can be used everywhere Mastercard is accepted.

Zeta Account Annual Percentage Yield (APY) is effective as of 12/01/2022. Minimum amount to open an account is $0.00. Minimum balance to earn APY is $0.01. Interest rates are as follows: 0.48% APY applies to balances over $0.01. Accounts with qualifying direct deposits are eligible for up to 1.93% APY. Rates may change after the account is opened. Fees may reduce earnings.