Zeta Personal Accounts

Add on a personal account designed
to help you bank the way you want.

Our key features

For those families who prefer to have both joint and personal accounts:


Add-on a free personal account

Once you have an open Zeta joint account, you can add-on a free personal account with its own dedicated account number and card.


Move money in seconds, not days

Transferring funds between your personal and joint accounts is instant. Send money to your family instantly with Zeta Pay.


Cards designed just for you

We've color-coded your personal and joint debit cards so you can easily tell them apart; both IRL and in your digital wallet.


Automate your financial life

Use our envelope system to seamlessly manage your shared and personal financial life in one place. Get all the great features of our joint account in your personal setup too.


Human support if you need it

Your Zeta Concierge is dedicated to you and accessible directly via in-app messaging. No waiting on the phone or dealing with agents who aren't empowered to help. We've re-designed support from the ground up, the way it should be.


We keep your money (and data) safe

The funds in your Zeta account are FDIC insured 1* through Piermont Bank, Member FDIC, up to the standard maximum of $250,000 per depositor, per institution. Plus, two-factor authentication & data encryption keep your data secure. We don't store your external login credentials and will never sell your data.

Level up to 2.45% APY2 with VIP

Want VIP status? Set up direct deposit* or maintain a $5,000 minimum daily average balance* to earn interest on your entire Zeta account balance (with no limits). Plus, as a VIP you'll be eligible for other perks such as free check writing, higher account limits and access to features (like mobile check deposit).

*Disclosure: Zeta Accounts who have a qualifying direct deposit totaling $1,000 or maintain a $5,000 minimum daily average balance within a calendar month will be upgraded to our VIP tier. National deposit rate found here. Additional information about our VIP tier can be found here.

Your Zeta account also includes these features:

Virtual cards

Virtual cards for added convenience, privacy, and control

No monthly account fees

Full transparency; no monthly fees or minimums (other fees may apply)

Earn up to 2.45% APY2

Earn up to 2.45% APY across your entire account balance (with no limits) with our VIP Status

Instant Notifications

Get updates when anyone on your account spends, deposits, or gets a refund

Spending trackers

Set weekly or monthly spending trackers to help you stay within budget

Zeta Concierge

First class human support via in-app messaging for when you need it

Mobile check deposit

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

Pay someone

Easily send payments to individuals or businesses with Zeta Pay, ACH, wires, and checks

55,000 ATMs

Free access to 55,000+ ATMs through the Allpoint network

Contactless payment

Add us to any digital wallet like Apple Pay, Google Pay, or PayPal

Credit card support

Also have a credit card? Link it to Zeta so we can set aside money for when it's due

Bill pay

Automatically organize & set aside money for bills with the option to pay via ACH, check, or card

People đź’› Zeta

Zeta's aim is to help you win, no matter what stage you are at in your life. Here's what the experts have to say.

How it works

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


Open your Zeta joint account


Add on a personal account from your team drop down


You can request a free personal debit card


Start spending & saving privately

Frequently asked questions

We're here to answer any questions you might have.

Who are Zeta Personal Accounts designed for?

While many of our customers are committed couples, married duos, the newly moved-in, families, trusting roommates, siblings or any other case, we wanted to create personal accounts that allows for more personal autonomy with the benefit of instant transfers to and from a joint account. 

Will the money in our Zeta Personal Account earn interest?

How do I add-on my free personal account?

Does my partner know that I have the Zeta Personal Account and Personal Card?

More helpful resources

Everything you need to know about merging your finances.

Differing spending habits can lead to money clashes in a relationship.

Let's talk about wage inequality in relationships

Live The Life You Want

Take the first step and achieve
your goals together.

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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: 2.45% 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.