Once you have an open Zeta joint account, you can add-on a free personal account with its own dedicated account number and card.
Transferring funds between your personal and joint accounts is instant. Send money to your family instantly with Zeta Pay.
We've color-coded your personal and joint debit cards so you can easily tell them apart; both IRL and in your digital wallet.
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.
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.
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.
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.
Virtual cards for added convenience, privacy, and control
Full transparency; no monthly fees or minimums (other fees may apply)
Earn up to 2.43% APY across your entire account balance (with no limits) with our VIP Status
Get updates when anyone on your account spends, deposits, or gets a refund
Set weekly or monthly spending trackers to help you stay within budget
First class human support via in-app messaging for when you need it
Snap a photo and deposit that check with just a few clicks
Easily send payments to individuals or businesses with Zeta Pay, ACH, wires, and checks
Free access to 55,000+ ATMs through the Allpoint network
Add us to any digital wallet like Apple Pay, Google Pay, or PayPal
Also have a credit card? Link it to Zeta so we can set aside money for when it's due
Automatically organize & set aside money for bills with the option to pay via ACH, check, or card
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
Take the first step and achieve
your goals together.
To safely consume this site, we recommend reading this disclaimer. Any outbound links will take you away from Zeta, to external sites in the world wide web. Just so you know, Zeta doesn’t endorse any linked websites nor do we pay/bribe anyone to appear on here. Any reference to prices on the site are just estimates; actual prices are up to specific merchants and their current desire to charge you for things. Also, nothing on this website should be construed as investment advice. We’re here to share our favorite tools, tactics and tips for managing your money together. This content is for your responsible consumption. Please don’t see this as a recommendation to buy specific investments or go on a crypto-binge. Lastly, we 100% believe that personal finance is exactly that, personal. We may sometimes publish content on this website that has been created by affiliated or unaffiliated partners such as employees, advisors or writers. Unless we explicitly say so, these post do not necessarily represent the actual views or opinions of Zeta.
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.