When we say Zeta Joint Cards is designed for modern couples, we mean we created a bank account that adapts to your relationship, no matter what stage you’re at or how you choose to manage your shared finances. With Zeta, you get a bank account, two debit cards, and a ton of automated tools (via our app) to simplify your financial lives. So whether you’re splitting a few bills, fully merging your financial lives together, or doing something in between, Zeta Joint Cards work tirelessly to make your shared money experience easy. Consider us your trusted advisor, helpful family CFO, and financial assistant.
This past month, we officially upgraded Zeta Joint Cards to deliver a new-and-improved banking experience with a foundation for even more unique capabilities to come in the future (like linked accounts for your family members). Here’s a breakdown of exactly why Zeta Joint Cards are awesome and what you’ll get when you join the Zeta community.
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.
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 make it easy for 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.
Saving for a down payment or a tropical vacation? It’s simple to set goals and work together to reach them. Follow and automate your progress in the app, stay on track, and celebrate when you accomplish your goals.
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 you and your partner are always on the same page.
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 401(k)? Our team of Concierges are eager to help.
Don’t take our word for it. Emily Anne on Google Play says, “Zeta’s customer service is also great and very responsive. Bonus points that you get your own personal concierge so it's the same person you're working with every time! I appreciate how easy it is to message them through the app.”
Love is great, but sometimes it's not all a bed of roses. We've seen it all, so our editors and community can help you navigate any and all thorny topics when it comes to love and money.
Lost your debit card? Don’t worry, you can open the app and temporarily freeze it. Rest assured that all transactions made on that card will be declined. If you find your card, you can turn it back on. If you need a new card, you can request one directly in-app.
Your Zeta Joint Cards account comes with free1 access to 55,000+ ATMs through the Allpoint network. Use Allpoint’s ATM map in-app to find the ATMs closest to you.
All users receive virtual cards when their account opens, for greater convenience, greater privacy, and instant spending. This also means you can start using your Zeta card ASAP.
Earn 0.10% APY2 on your entire account balance, 2.5 times the national average of 0.04% (FDIC.gov).
Zeta creates pockets for your money so that you know exactly what’s “available to spend” versus what’s reserved for an upcoming bill or check. Set aside money for your bills, tag your transactions (like rent and utilities), and keep your budget up to date.
Zeta gives you the option to save together automatically (or manually, if that's your jam). You can create multiple goals and set up auto saves to help you reach them as a team.
Spending trackers let you set up a weekly or monthly budget for a specific category (like groceries) and track how you’re doing against that together.
Credit cards can be linked in Bill Reserve, allowing you to see your balances and get a full view of your financial picture.
Your Zeta Joint Cards account is backed by the FDIC and is insured up to the standard maximum deposit insurance amount of $500,000 through our partners, LendingClub Bank, N.A., and Piermont Bank, Members FDIC.3
Zeta Joint Cards were originally designed and inspired by years of deep research from thousands of couples with the goal of making shared banking truly delightful. We wanted to create something that could adapt to any couple’s situation, and evolve as your relationship evolved. We started off with the feature set we thought would be most valuable to Zeta members, and have continued to expand ever since. And now we’ve officially upgraded Zeta Joint Cards to deliver a new-and-improved banking experience with a foundation for even more unique capabilities to come in the future. There’s so much more to come, and we can’t wait to share it with you!
1Free access to Allpoint ATMs after November 3, 2021. Out-of-Network ATM cash withdrawal fees apply. Third-party and cash deposit fees may apply.
2Zeta 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: 0.10% APY applies to balances over $0.01. Rates may change after account is opened. Fees may reduce earnings.
3The Zeta Joint Card and Joint Account is offered by LendingClub Bank, N.A., or Piermont Bank, Members 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.
A newsletter designed to help
you achieve relationship goals.
A newsletter designed to help you achieve relationship goals.
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The Zeta Joint Card and Joint Account is offered by LendingClub Bank, N.A., or Piermont Bank, Members 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.