Zeta Joint Cards

Shared Banking for Modern Couples

Two cards. One joint 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

Your Zeta Joint Card works seamlessly with your individual accounts, 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. Running low? We'll remind you to move money if needed 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

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 0.14% APY3

Money in your Zeta Joint Account earns 3x the national average of 0.04% (FDIC.gov)

Instant Notifications

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

Early Direct Deposit1

Get your paycheck faster, up to 2 days early, depending on your employer

Keep Your Bank

Zeta works with your existing bank. Transfer money in from individual or joint accounts

Mobile Check Deposit

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

Digital Checks

Need to pay rent? Write and send checks, no pen and paper required

32,000 ATMs2

Zeta is part of the MoneyPass 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, no need to remember when they're due

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 are Zeta Joint Cards 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?

By clicking "Get Started", you are joining a waitlist for Zeta Joint Card. We are actively rolling out invites based on your waitlist position.

Zeta Joint Cards and Joint Account is offered by Radius 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 where MasterCard Debit Cards are accepted.


1Early access to direct deposit funds depends on timing of payer's submission of deposits. We generally post such deposits on teh day they are received which may be up to 2 days earlier than the payer's scheduled payment date.
2Out-of-Network ATM cash withdrawal fees apply. Third-party and cash deposit fees may apply.
3Zeta Joint Account Annual Percentage Yield (APY) accurate as of 09/20/2020. Minimum amount to open account is $0.00. Minimum balance to earn APY is $0.01. Rate is as follows: 0.14% 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 Radius 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.