Zeta adapts to your life

Explore the different Zeta Accounts

Zeta Accounts are deposit accounts powered by Piermont Bank, Member FDIC.

Family account key features

Designed to help your whole family bank together easily.

add members

Add up to 5 members to your account

Whether you're a single parent with two teens, young family with a nanny, or an inter-generational household, Zeta accounts adapt to your family. Add up to 5 members on your account.

controls

Customize permissions

Control exactly who has access to what. You can set custom permissions for each member on your account including only giving them access to a card or expanding that access to the whole account.

zeta pay

Instantly pay anyone

Pay any member of your household instantly (for free) via Zeta Pay. And if they're not a Zeta member, you can still use ACH or wires.

households

Works for every relationship in your life

Manage your entire household on Zeta. Add or remove members, set controls, or manage your subscription.

Zeta is for

Grandparents

Level up to 2.09% 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.

There's even more to love

There's more to love

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)

Zeta Concierge

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

Instant Notifications

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

ATMs anywhere

Use your Zeta debit card at any ATM

Bill pay

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

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

Families 🖤 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.

Apply

Tell us about yourself in a quick online process

Invite up to 5 to join

Invite at least one person to join you on Zeta

Save & spend together

Everyone receives a debit card with shared account access

Frequently asked questions

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

Who are Zeta Family Accounts designed for?

Zeta Family Accounts are perfect for families of all shapes and sizes who want to manage their finances together. Whether you’re a couple, a parent and child, or a multi-generational household, Zeta Family Accounts help you streamline your financial management and work towards shared goals. You can add anyone older than a 13 years old.

Will the money in our Zeta Family Account earn interest?

Who owns the money in our Zeta Family Account?

Can we set spending limits for different family members in a Zeta Family Account?

Is the money in our Zeta Family Account FDIC insured?

More helpful resources

Here's how to leverage personal accounts when combining finances:

Here's how to leverage personal
accounts when combining finances:

When to open a joint bank account

Not sure when to open a joint account? We dive into the nitty gritty of what to consider to determine if now is the right time.

Joint bank accounts 101

Learn about how it works, who you can share them with, and the different types of accounts available.

Rules of a joint bank account

A comprehensive guide on the rules of a joint bank account that will help you weigh the pros & cons of opening one.

Live The Life You Want

Take the first step and achieve
your goals together as a family.

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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 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.

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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: 2.09% 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.



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