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
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.

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

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

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 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

Bill pay

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?

While many of our customers are committed couples, you don’t have to be a couple to get the benefits of a Zeta Joint Accounts. Typically, married duos, the newly moved-in, families, trusting roommates, siblings or any other case where a joint bank account is handy can work.

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

Not sure when to open a joint account? We dive into the nitty gritty of what to consider to determine if now is the right time.

Learn about how it works, who you can share them with, and the different types of accounts available.

A comprehensive guide on the rules of a joint bank account that will help you weigh the pros & cons of opening one.

Live The Life You Want

Take the first step and achieve
your goals together.

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 2/01/2023. Minimum amount to open an account is $0.00. Minimum balance to earn APY is $0.01. Interest rates are as follows: 0.54% APY applies to balances over $0.01. Accounts with qualifying direct deposits are eligible for up to 2.18% APY. Rates may change after the account is opened. Fees may reduce earnings.