Zeta Joint Account

Shared banking for modern couples

Two cards. One joint bank account.
Built-in features built to help your relationship thrive.

ACCOUNTS FDIC INSURED UP TO THE STANDARD MAXIMUM DEPOSIT INSURANCE OF $500,000

Banking For Two

Easy set up. No monthly account fees. Track your spending together. The Zeta Joint Card is built for couples at every stage. We make it simple to fund and manage your account.

One Account That Does It All

Whether Zeta is your only account or you also keep individual accounts, your Zeta Joint Card works seamlessly - making it easy to set aside money for bills while saving for your goals.

Let Us Do The Work

Zeta remembers when your bills are due, and can even automatically pay them for you. If you're ever running low, we'll remind you to move money so you can spend with confidence.

Communicate Like Pros

No more asking if a check cleared or what that mystery charge is. We make it easy to communicate about your finances so that everyone is always on the same page.

There's Even More To Love About Zeta

Your Zeta Joint Cards also includes these features:

FDIC Insured

Zeta Joint Account is FDIC-insured up to the standard maximum deposit insurance amount of $500,000

No Account Fees or Minimums

Full transparency. No monthly fees or minimums. Other fees may apply

Earn 0.29% APY1

Money in your Zeta Joint Account earns 3.5x the national average of 0.08% (FDIC.gov)

Instant Notifications

Receive updates on your mobile device when one of you spends, deposits, or receives a refund

Virtual Cards

Virtual cards so you can get started faster and have increased privacy

Save For Your Goals

Zeta can organize your goals into sub-accounts to make savings easier and recommend a savings plan to help you reach those goals

Mobile Check Deposit (in beta)

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

Pay Someone

It's easy to send payments to individuals or businesses. Send ACH, Wires, and checks. No pen and paper required

55,000 ATMs

Zeta is part of the Allpoint network, giving you free access to most ATMs near you

Contactless Payment

Tap and buy. Add us to any of your digital wallets like Apple Pay, Google Pay, or PayPal

Unlimited Transfers

Move money in and out of your account as often as you both need

Bill Pay

Zeta sets aside money for your shared bills and can automate ACH and check payments on a recurring basis

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

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

Who is the Zeta Joint Account designed for?

While most of our customers are committed couples, you don’t have to be a traditional “couple” to get the benefits of Zeta’s Joint Cards. Typically, married duos, the newly moved-in, families, trusting roommates, 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?

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: 0.29% APY applies to balances over $0.01. Rates may change after account is opened. Fees may reduce earnings.

Live The Life You Want

Take the first step and achieve
your goals together.

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The Zeta Joint Card and Joint Account is offered 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 issuing 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 where MasterCard Debit Cards are accepted.