Zeta Joint Accounts

Shared banking for modern couples and families

Zeta Joint
Accounts

Shared banking for
modern couples and families

Zeta Joint Account is a deposit account powered by Piermont Bank, Member FDIC.

Our key features

Your Zeta account is designed
to help you master money
together.

Your Zeta account is designed to help you master money together.

ENVELOPE SYSTEM

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.

BILL RESERVE

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.

GOALS

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.

IN-APP MESSAGING

Communication
& 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.

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.

nanny-sibling-kids
lock-security

SECURITY

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.

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)

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

Families 🖤︎ 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.

Families 🖤︎ 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.

1

Tell us about you and your relationship

2

Invite your partner so they can confirm their info.

3

You each get your own Zeta Joint Card.

4

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

Some useful information about how joint bank accounts work:

Some useful information about how
joint bank accounts work:

When to open a joint bank account

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

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

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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About

Diversity | 

Press  |

Team  |

Careers  |

Partner   |

 Legal  |

Security

Magazine

Articles  |

Guides  |

Tools  |

Podcast | 

#SentWithLove

Support

FAQs  |

support@askzeta.com | 

Secure Chat  |

Swag

Join Our Community

© 2023 Zeta Help Inc. All rights reserved.

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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.