Zeta Joint Account

Zeta Accounts

About this app

Zeta Accounts are spending & saving bank accounts designed to grow with you.

When you sign up, you get one joint bank account, two debit cards, and a mobile app with tons of smart automation to help your relationship thrive. Plus, there are no monthly fees, overdraft fees, or minimum balances.

HOW IT WORKS
Opening a joint bank account is quick and painless with Zeta. It takes 5 minutes or less!
Sign up and invite your partner - so they can confirm their info
Receive your own Zeta Cards (virtual & physical debit cards for each of you)
Start saving and spending as a team!

Here’s how a Zeta joint bank account can help you can master money as a family:

ONE ACCOUNT THAT DOES IT ALL
Pay bills, save for goals & track shared spending — all in one place. Zeta can also work seamlessly alongside your existing accounts.

LET ZETA DO THE WORK
Zeta can take on your money chores. We’ll remember when your bills are due & even pay them for you. Plus our envelope system breaks down your balance showing you exactly what’s available to spend, set aside for your bills or earmarked for your goals.

COMMUNICATE LIKE PROS
No more asking if a check cleared or what that mystery charge is. We show you exactly whose card was used, let you message each other in-app about specific transactions or even leave a memory or receipt on a transaction. Our goal is to make it easy for you to stay on the same page about your finances.

HUMAN SUPPORT AT YOUR FINGERTIPS
Your dedicated Zeta Concierge is here to help you get the most out Zeta. They’ll help you navigate your account, understand how to use new features, and support your team. No more waiting on hold or re-explaining your issue to a different department.

AN ACCOUNT THAT GROWS WITH YOU
You can even add-on a personal account (if you need one) to help you separate your individual and shared finances. And coming soon, you’ll be able to add additional people to your joint account such as owners, companions & friends.

ZETA KEEPS YOUR MONEY (AND DATA) SAFE
Your Zeta Account is FDIC-insured at $250,000 per depositor (up to $500,000 for your joint account). Plus security measures like AES 256-bit encryption, two factor authentication, and Touch or Face ID (on supported devices), keep your data secure. We don’t store your financial login credentials and will never sell your data.

With your Zeta Account, you can also:

- Use your Zeta Card at any ATM
- Earn interest on your account balance when you set up qualifying direct deposits or keep a minimum daily balance of $5,000
- Receive daily balance alerts & instant transaction notifications
- Save easily for all your goals with sub-accounts & automated savings
- Set aside money for bills & let Zeta pay them for you
- Know how much of your account balance is safe or “available to spend”
- Use virtual cards & in-app controls
- Add your Zeta debit card to your digital wallet
- Make payments via check, ACH & wires (pending eligibility)

We know that every couple and relationship is different, and that opening a joint bank account can be an important decision. No matter how you manage your shared finances, Zeta Joint Accounts can help you better navigate the financial issues that trouble any relationship.

Learn more: askzeta.com

For more information about how we protect your information see our privacy policy: askzeta.com/security

Zeta Help Inc. 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 and up to $500,000. The Zeta Mastercard® Debit Card is issued by Piermont Bank, Member FDIC, and can be used everywhere Mastercard is accepted.

Zeta Help Inc.
2261 Market Street #4718,
San Francisco, CA 94114

Ratings and reviews

My partner & I have been using Zeta for around 2 years at this point. We like a lot of the features, however, over the course of those 2 years the app has become very slow/laggy, we feel like it doesn't always register our taps, & takes much longer to process selections then we feel it should. It makes the app very clunky to use & tiresome to do the finer details like changing "spent from" & "category" selections. We have flagship phones with plenty of RAM & CPU power. This is our only laggy app

Honestly better than any other bank I've used. I've been bouncing around to different banks for a very long time. Trying to find one with the best featureset and benefits to banking with them. I downloaded Zeta because I wanted an account to use for bills and for my girlfriend to help out. This app has let me do that. They have a bill reserve that you can use to automate bill saving, autopay with check / ACH, and more. Honestly, it helped me get back on track with my finances. 10/10

So far, Zeta has been great! I had an issue with my first transfer being a little delayed. I reached out to support and they got right back with me with an answer and solution to my issue. They were professional and polite. Very helpful. The sign up process was a breeze. No issues or lengthy application which is rare, especially when opening a joint account. I'm a happy customer so far.

What's new

We've released an update focused on enhancing Bill Reserve. We're giving you a clearer view of how much you've set aside for the next bill payment. These UI improvements make managing bills with your family even easier.