Zeta Joint Account is a deposit account powered by Piermont Bank, Member FDIC.
Our key features
ENVELOPE SYSTEM
Set up your account
in 5 minutes
Use our envelope system to seamlessly manage your shared financial life in one place. Whether or not you fully combine your finances, Zeta adapts to you so you can manage your money your way.
BILL RESERVE
Organize your bills
Never miss a bill payment. Plan for your bills and set aside funds for them. We'll even make your bill payments via check, debit card or ACH — all handled by us.
GOALS
Achieve the life you
want, faster
With Goals, break down your savings into dedicated envelopes. Use auto-save to meet your goals quickly — and earn interest on your entire account, with no limits.
IN-APP MESSAGING
Communication
& support
In-app messaging keeps you in sync with your team. Stay informed through transaction notifications, spending trackers, and more. You'll also get a dedicated Zeta Concierge — a human who's there to help if you need it.
ADD ACCOUNT MEMBERS
An account that
grows with your family
You'll be able to add other family members to your account, including more account owners. We also launched personal accounts for those of you who need a joint and individual account. Coming soon companions with their own card limits for nannies, parents, and teens.
SECURITY
We keep your money
(and data) safe
The funds in your Zeta account are FDIC insured1 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 2.20% 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 2.20% APY2
Earn up to 2.20% 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
ATMs anywhere
Use your Zeta debit card at any ATM
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
Families 🖤︎ Zeta
Zeta's aim is to help you win, no matter what stage you are at in your
relationship or life. Here's what our customers have to say.
Families 🖤︎ Zeta
Zeta's aim is to help you win, no matter what stage you are at in your
relationship or life. Here's what our customers have to say.
How it works
Ready to get started? Here's what to expect.
1
Tell us about you and your relationship
2
Invite your partner so they can confirm their info.
3
You each get your own Zeta Joint Card.
4
Start spending and saving, as a team!
Frequently asked questions
We're here to answer any questions you might have.
Who are Zeta Joint Accounts designed for?
Will the money in our Zeta Joint Account earn interest?
Who owns the money in our Zeta Joint Account?
Is Zeta a bank?
Is the money in our Zeta Joint Account FDIC insured?
More helpful resources
Live The Life You Want
Take the first step and achieve
your goals together.
