Introducing Zeta Joint Cards, Shared Banking for the Modern Family

Aditi Shekar
February 8th, 2021 | 4min
Introducing Zeta Joint Cards, Shared Banking for the Modern Family
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Dear Zeta community,

We’re at an inflection point in Zeta’s journey, and I wanted to be the first to tell you about it.

Over the last three years, our team has worked tirelessly to help tens of thousands of couples like you manage their money via our Money Manager. And in that time, it’s truly been an honor to be a part of your shared financial journey.

As part of our work, we’ve spent countless hours talking to you about your financial fears, your frustrations and your wins together. And in those conversations, you made it clear that you wanted more from your banking experience. You’ve asked us to take over time-consuming money chores and offer real world navigational guidance for your shared financial decisions. In short, you wanted something easier, better and stronger and we want to deliver it to you.

In that vein, we’re excited to publicly launch our newest product, Zeta Joint Cards. Zeta Joint Cards were designed and inspired by years of deep research from thousands of couples like you with the goal of making shared banking truly delightful. At its core, Zeta’s Joint Cards are the combination of a joint account and two debit cards, designed to simplify and automate your financial lives via a mobile app.

When we say that it’s designed for modern couples, we mean we created a bank account that adapts to your relationship, no matter what stage you’re at – dating, moving in together, or married. So whether you’re splitting some bills or fully combining your financial lives together, Zeta Joint Cards work tirelessly to make your shared money experience easy. Consider us your trusted advisor, helpful family CFO, and financial assistant.

Here are more details on how Zeta Joint Cards will work for you:

Keep your individual bank accounts We understand that moving your money to a different bank is a pain. With Zeta Joint Cards you can keep your individual bank accounts and connect them to Zeta so you can move money in and out of your joint account easily.

Split your bills No need to ping pong payments back and forth anymore. We make it easy for couples to share and/or split their bills any way they choose. We even encourage you to automate payments so there’s no need to remember when they’re due or if there’s enough in the account to cover it.

Reach your goals together Saving for a down payment or a tropical vacation? It’s simple to set goals and work together to reach them. See your progress in the app, stay on track and celebrate when you accomplish your goals.

Communicate within the app No more asking if a check cleared or what that mystery charge is. We make it easy to communicate within the app about specific transactions or goals so that both of you are always on the same page.

Other features you'll love:

Earn interest on the whole account balance: Money in your Zeta Joint Account earns 3x the national average of 0.04%*

Get helpful notifications: Receive updates on your mobile device when one of you spends, deposits, or needs to add money to the account

Early direct deposit: Get your paycheck faster, up to 2 days early, depending on your employer *

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)

Access 32,000 ATMs: Zeta is part of the MoneyPass network, giving you free access to most ATMs near you*

Contactless payments: Tap and buy. Add us to any of your digital wallets like Apple Pay, Google Pay, or Samsung Pay

Confidence that your money is secure: Your Zeta Joint account is backed by the FDIC and is insured up to the standard maximum deposit insurance amount of $500,000 through our partner, LendingClub Bank, N.A., Member FDIC.*

Sign up here to get started.

Love,

Aditi and the Zeta Team

  • Zeta 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.

  • Early 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.

  • Out-of-Network ATM cash withdrawal fees apply. Third-party and cash deposit fees may apply.

  • Zeta Joint Cards and Joint Account is offered by LendingClub Bank, N.A., 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.

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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.