Zeta Joint Account is a deposit account powered by Piermont Bank, Member FDIC.
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.
Organize your bills
Never miss a bill payment. 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
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.
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.
ADD ACCOUNT MEMBERS
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.
Level up to 2.18% APY with VIP
Want VIP status? Set up direct deposit* and get a 4x interest boost on your entire Zeta account balance (with no limits). Plus, as a VIP you'll be eligible for other perks such as priority Concierge support, higher account limits and access to features (like mobile check deposit).
*Disclosure: Zeta Accounts who have a qualifying direct deposit totalling $1,000 or greater within a calendar month will be upgraded to our VIP tier instantly. National deposit rate found here. Additional information about our VIP tier can be found here.
Your Zeta account also includes these features:
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 2.18% APY1
Earn 0.54% APY1 across your entire account balance, with no limits. Boost interest to 2.18% APY with VIP status2
Get updates when anyone on your account spends, deposits, or gets a refund
Set weekly or monthly spending trackers to help you stay within budget
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
Easily send payments to individuals or businesses with ACH, wires, and checks3
Free access to 55,000+ ATMs through the Allpoint network
Add us to any digital wallet like Apple Pay, 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
Automatically organize & set aside money for bills with the option to pay via ACH, check, or card
How it works
Ready to get started? Here's what to expect.
Tell us about you and your relationship
Invite your partner so they can confirm their info.
You each get your own Zeta Joint Card.
Start spending and saving, as a team!
Frequently asked questions
We're here to answer any questions you might have.
Who are Zeta Joint Accounts designed for?
Will the money in our Zeta Joint Account earn interest?
Who owns the money in our Zeta Joint Account?
Is Zeta a bank?
Is the money in our Zeta Joint Account FDIC insured?
More helpful resources
Live The Life You Want
Take the first step and achieve
your goals together.