Zeta adapts to your life

Explore the different Zeta Accounts

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

Personal account key features

An account designed to simplify your life.

bill reserve

Let our bill manager do the grunt work

Never miss a bill payment. We'll automatically identity and plan for your bills and set aside funds for them. We can even make bill payments via check, debit card or ACH — all handled by Zeta.

goals

Save like a pro

Achieve your goals with ease! Divide your savings into envelopes so that you know exactly how your tracking towards your dreams — and earn interest on your entire account as a VIP² with no limits.

automate your money

Stress-free finances

Ensure your financial life runs smoothly with rules that automatically save, manage, and track your money.

security

Built with bank-grade security standards

Your Zeta account is FDIC-insured up to the standard maximum of $250,000 per depositor. 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.

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

People 🖤 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.

Open Joint Account

You and your +1 open an account in a quick online process

Fund your account

Fund your Zeta Account to unlock your free personal account

Spend & save privately

Save separately in a personal account, but instantly transfer funds to other accounts

Don't have a partner?

Get an existing Zeta member to share a Solo Pass from their account overview to sign up for a personal account without the need to open a joint account.

Frequently asked questions

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

Who are Zeta Personal Accounts designed for?

While many of our customers are committed couples, married duos, the newly moved-in, families, trusting roommates, siblings or any other case, we wanted to create personal accounts that allows for more personal autonomy with the benefit of instant transfers to and from a joint account. 

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?

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:

Zeta's guide to combining finances

Everything you need to know about merging your finances.

How to handle different money habits

Differing spending habits can lead to money clashes in a relationship.

How to use a personal account in a relationship

Let's talk about wage inequality in relationships

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your goals together.

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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: 2.20% 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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