We know breaks up can be hard. We’ve been there, and we’re here to help in any way we can.
Zeta has gotten a lot of recent interest from ONE users around how our experience works, so we’ve created a guide to help you understand the basics.
If you have any questions, please reach out to us at email@example.com or on Reddit.
Zeta is a digital-first financial institution focused on couples and families. We offer tools that will help your family thrive. Our flagship product is the Zeta Joint Account. We are also currently in the process of building and refining new features and products (including individual accounts) that you can layer into your Zeta experience to help support even more aspects of your shared financial life. The Zeta Joint Account can sit alongside your other accounts or replace them – it’s up to you.
Now – onto the details…
|Fees and minimums||No fees or minimums||No minimum balance requirements, no monthly fees, and no overdraft fees. Other fees may apply, which you can read about here|
|ATM access||Access to 55,000+ fee-free AllPoint ATMs||Access to 55,000+ fee-free1 AllPoint ATMs|
|FDIC insurance||FDIC-insured up to $250K||Zeta’s Joint Account is FDIC-insured up to the standard maximum deposit of $500K|
|APY||Previously, you could earn 1% APY on your Save pocket on a max of $5000 (or $25,000 if you direct deposited your paycheck into your ONE account). Previously, you could also earn 3% on your Auto-Save Pocket – but deposits were restricted to 10% of qualifying income direct deposits (capped at $1,000) per calendar month. Now, the ability to add money to this Auto-Save Pocket is being discontinued. The Save Pocket and the current balance in the Auto-Save Pocket will both earn 3.00% APY||We don’t play games at Zeta. You earn the same APY on your entire Zeta account balance (with no limits on the balance). Soon, we’ll launch a much higher APY tier for qualifying direct deposits. The higher APY will apply to your entire balance|
|Digital wallets||Apple Wallet, Google Pay, Samsung Pay||Apple Wallet, Google Pay, Samsung Pay|
|Instant transaction notifications||✅||✅|
|Multiplayer||ONE has removed the ability to share Spend Pockets with other people||Zeta is all about multiplayer and collaborative finances. Zeta Joint Accounts are built with two in mind, with more multiplayer products and feature sets to come|
|In-app messaging||❌ No ability to message your partner or family from within the app||Zeta offers in-app messaging to make it easier for you and your partner stay on the same page about your finances and chat about specific transactions, goals, or any financial tasks you need to accomplish|
|Support messaging||Not in-app, requires email||We take our role as your financial partner very seriously, and we’ve built out a team of Zeta Concierges to help you with anything that might come up. Need some help with a transfer or want some advice on how to roll over your 401k? Your dedicated Concierge is eager to help. Message them in-app and get a response within 1 business day (usually 1 hour)|
|Envelope budgeting||One’s Pockets are unique accounts with their own account and routing number. Designate funds for different things in each Pocket. Manually assign cards to each pocket to spend from them. New customers can have a maximum of three Pockets. Early customers may keep the number of Pockets they had before ONE's changes, if previously created||At Zeta, Goals and Bills are all held within the same Joint Account. Spend however you like and organize your funds within those separate Goals and Bills before, during, or after spending. No need to assign cards to each Goal or Bill. Create unlimited Goals or Bills|
|Available to Spend||❌||In order to reduce the mental math you need to do, we take your whole balance and subtract the funds you have allocated towards Goals and Bills. Whatever’s leftover is Available to Spend! That way, you’re never using money that has already been assigned a job.|
|Bills||❌ Does not track your bills||At Zeta, you can create bills which are sub-accounts dedicated to different bills and expenses you may have. We automatically set aside funds for the bills you’ve told us about, based on your desired cadence. Zeta can even pay those bills for you via check and ACH! We are in the midst of making Bill Reserve much more powerful in the coming weeks. Follow along on Reddit to get those details.|
|Tagging & Spent From||Users need to log into the app to change which Pocket your card spends from before you swipe your card. One’s Pocket Protector feature is being discontinued||Swipe, spend, pay whenever, however you want! Come back to the app to assign those transactions to your sub-accounts later, as desired. We’ll automatically pull money from the right bucket to cover that transaction|
|Smart Rules||❌||When you assign a transaction to a goal or bill, we’ll automatically tag future transactions that way — reducing your need to stay on top of every little detail|
|Virtual cards||A virtual card per Pocket, which are capped at three||Each Zeta Joint Account comes with two virtual cards and two physical cards. Use them to spend from any Goal or Bill. Soon, we’ll give you the opportunity to have more than two for your account|
|Pay someone||Pay someone via ACH and check. These features have been temporarily discontinued||Pay someone via ACH, as well as check and wires (cashier’s checks and checkbooks coming soon). We also offer the ability to make recurring payments via ACH and check as needed, like for a dog walker, babysitter, or rent|
|Spending trackers||❌||Spend trackers let you set a monthly budget for a specific category and track how you and your partner are doing against that together|
|Customer Advisory Board (CAB)||❌||Zeta’s CAB is a space for a group of highly-engaged customers to share feedback, suggest feature enhancements, and help us better serve families, with a direct line to Team Zeta, including the CEO and Product Manager|
New account types
And so much more
Check out our roadmap to see which features & products we have coming down the pike!
We’re so much more than a fintech or a joint bank account product. Zeta’s goal is to be your financial ally that’s here to help you win at life. We know how stressful money can be to think about and manage, and the second you bring money into your relationship or family bubble, it can get even harder. Our products and feature set are built with love and dedication to make your lives and relationships easier and more successful.
If you have big feelings about love, life, and money (we certainly do!), then we encourage you to consider applying to Zeta’s Customer Advisory Board after you open your Zeta account. Advisory Board members have a direct line to Team Zeta, including our CEO and Product Manager. We want to talk to you directly about what you’re looking for out of a shared finance experience and how Zeta can evolve to support you in your lives.
Have more questions? Follow the discussion on Reddit or drop us a note at firstname.lastname@example.org.
1Out-of-Network ATM cash withdrawal fees apply. Third-party and cash deposit fees may apply.
Are you interested in opening a joint bank account with a partner, friend or family member? Learn about the process and requirements for creating a joint account at the bank of your choice.READ MORE
Whether you're the one earning more or less, this is a delicate scenario that requires couples to get on the same page, discuss their options, and make a decision as a team.READ MORE
A newsletter designed to help
you achieve relationship goals.
A newsletter designed to help you achieve relationship goals.
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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 05/01/2023, 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: 2.43% 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.