United StatesZeta 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 team: 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: - Access 55,000+ fee-free ATMs - Earn interest on your account balance when you set up qualifying direct deposits or keep a minimum daily balance of $5000 - 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.
OK app, TERRIBLE Bank
The app started out great for me and my partner We were able to save up money for a good year It all went well and then spiraled down so quick We only used to app for saving so we barely checked on it as we barely used it, we had automatic payments set up. We started using it to buy stuff for our baby shower for our first baby. Our card info was stolen and we didn’t realize until a week later. It’s been over a year since the incident and we’ve only received a tiny portion of our money back. Zeta has done little to nothing to help us out so we closed to the account. Shortly after we received an email that another one of our transactions was refunded but our account was already closed so we’d be getting a check for the amount. Half a year later and we still haven’t received anything. If you look up the actually bank the app uses called Piermont Bank , it has TERRIBLE reviews as well. Use it for small amounts of money only do not trust them with bigger amounts because they do little to nothing to help you retrieve it if anything happens. They had a whole investigation to prove I wasn’t committing fraud but I gave them so much proof that there IP spoofing order packages from multiple states within a few hours and they still declined my case.
United StatesIdeal Online Banking
I moved to Zeta after moving to One from Simple. I really need envelope style budgeting to do well with banking. It works with my brain and my partner’s and every time we had to move to another bank - we found it so disruptive. Zeta is the ideal replacement. Has all the features of Simple and more. The automation feature is helpful for consistent contributions to each envelope, you can tag transactions with categories and associate it to envelopes. The joint account is ideal. 10/10. I love banking with Zeta.
United StatesAmazing
Love that I could finaly share my finances with my wife without all the confusion. With zeta it’s simple easy and fast
United StatesScam
It was an okay banking app for a while, but it’s gone downhill over the years instead of upwards. They want you to “subscribe” to services they originally advertised as being a part of every account. Now they have decided to use AI chat bots instead of real people for the customer service… and that’s what drove me out. I could not speak to a PERSON about an immediate banking issue. Instead it’s just a chat bot parroting FAQs at me. Do not trust this company with your money. ETA: They have refused to finish a transfer in order for me to close my account. This is not a company you should trust. ETA after Dev Response: ALL QUALITY DECLINED OVER TIME. The services and “features” now available are not the same quality. They had BETTER services and features than what they have now. There is a paywall for features promised to be included for older account holders. Your “Bank” and customer service now reads (and acts) like scam artists. I will not try to reach out to you or your company anymore because I *did* try to communicate these issues long before coming and giving this public review.
United StatesSteals your sensitive personal information
DON’T BOTHER. I came here trying to find a replacement app for Mint, and was extremely frustrated. This app makes you input all your personal information - phone number, physical address, social security number - and then DENIES your ability to even use the app. Apparently you have to meet some special standards to qualify to use this app (but they don’t share what those standards are!), so they’ll probably just steal your info and sell it. Have fun getting spammed by the highest buyers thanks to these dishonest app makers.
United StatesWants too much personal info
There's no good reason for you to need my address for doing budgeting
United StatesGame-changer
I used to dread managing my finances, but this changed everything. It's eliminated the stress and hassle - and made it easy (even delightful!) to coordinate money decisions with my partner. Highly recommended.
United States
In this release, you’ll be able to see how much Zeta will set aside for your upcoming bills. This makes it easy to know how your upcoming paycheck will be allocated.
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