Zeta Personal Accounts
Add on a personal account designed
to help you bank the way you want.
Zeta Joint Account is a deposit account powered by Piermont Bank, Member FDIC.
Our key features
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.
INSTANT TRANSFERS
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.
CUSTOM CARDS
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.
ENVELOPE SYSTEM
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.
ZETA CONCIERGE
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.
SECURITY
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 2.43% 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
Earn up to 2.43% APY2
Earn up to 2.43% 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.
1
Open your Zeta joint account
2
Add on a personal account from your team drop down
3
You can request a free personal debit card
4
Start spending & saving privately
Frequently asked questions
We're here to answer any questions you might have.
Who are Zeta Personal Accounts designed for?
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?
Live The Life You Want
Take the first step and achieve
your goals together.
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© 2024 Zeta Help Inc. All rights reserved.
Join Our Community
© 2024 Zeta Help Inc. All rights reserved.
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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.