Zeta adapts to your life

Explore the different Zeta Accounts

Zeta Accounts are deposit accounts powered by Piermont Bank, Member FDIC.

Joint account key features

All the features of our Personal Accounts,
layered with collaboration and communication tools.

easy setup

An account for every stage of your relationship

Whether you're dating, engaged or married, you can open an account in minutes. We'll even help you setup your shared finances effortlessly.

envelopes

Master your money as a team

Use our envelope system to seamlessly manage your shared bills and goals. Stay on the same page about what's coming due, what's already paid or what needs more funds.

messaging

Stay in sync on your shared finances

In-app messaging keeps you in sync with your team and gives you access to your Concierge. Stay informed through transaction notifications, spending trackers, and more.

HOUSEHOLDS

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. Open a personal account or a joint account and enjoy instant transfers between those accounts.

Level up to 1.94% APY² with VIP

Want VIP status? Set up direct deposit* or maintain a $5,000 minimum daily average balance* to earn interest on your entire Zeta account balance (with no limits). Plus, as a VIP you'll be eligible for other perks such as free check writing, higher account limits and access to features (like mobile check deposit).

*Disclosure: Zeta Accounts who have a qualifying direct deposit totaling $1,000 or maintain a $5,000 minimum daily average balance within a calendar month will be upgraded to our VIP tier. National deposit rate found here. Additional information about our VIP tier can be found here.

There's even more to love

There's more to love

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)

Zeta Concierge

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

Instant Notifications

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

ATMs anywhere

Use your Zeta debit card at any ATM

Bill pay

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

Mobile check deposit

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

Pay someone

Easily send payments to individuals or businesses with Zeta Pay, ACH, wires, and checks

Couples 🖤︎ Zeta

Zeta's aim is to help you win, no matter what stage you are at in your relationship or life. Here's what our customers have to say.

How it works

Ready to get started? Here's what to expect.

Apply

Tell us about yourself in a quick online process

Invite 1 (or more) to join

Invite at least one person to join you on Zeta.

Save & spend together

Everyone receives a debit card with shared account access.

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?

Yes, the good news is that your whole balance earns interest, not just your savings! By setting up direct deposit or maintaining a $5,000 minimum daily average balance* you can earn up to 1.94% APY² on your entire Zeta Joint Account balance (with no limits). We’re constantly working with our banking partners to get you the best APY possible. The APY on your Zeta Joint Account is dependent on the Federal Funds Rate, which is a rate that’s set by the federal government. Our banking partners maintain your deposits and pays us a rate based on the federal funds rate. As rates are changed by the federal government, your APY may change. That said, our goal is to help you get as much money back as possible!

Who owns the money in our Zeta Joint Account?

Because a Zeta Joint Account is a true joint bank account, all account owners legally co-own this account. That means, both of you can add, spend, and withdraw money from this account. We're working on features to possibly limit some of this in the future, but for now, you'll want to be sure that you are ok with account owners having full access to your Zeta Joint Account and vice versa. You can learn more about the rules around joint bank accounts here.

Is Zeta a bank?

Is the money in our Zeta Joint Account FDIC insured?

More helpful resources

Some useful information about how joint accounts work:

Some useful information about how
joint accounts work:

When to open a joint bank account

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.

Joint bank accounts 101

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

Rules of a joint bank account

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.

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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 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.

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¹Zeta 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. The Zeta Mastercard® Debit Card is issued by Piermont Bank, Member FDIC, pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted.

²Zeta Annual Percentage Yield (APY) is effective as of 01/01/2025, for customers who qualify for VIP status. Minimum amount to open an account is $0.00. Minimum balance to earn the APY is $0.01. Interest rates are as follows: 1.94% APY applies to the entire balance for customers who qualify for VIP status. Interest rates may change after the account is opened. Fees may reduce earnings.

Zeta adapts to your life

Personal account key features

An account designed to simplify your life.

Let our bill manager do the grunt work

Save like a pro

Stress-free finances