Zeta Joint Account 4+

Two cards. One joint account‪.‬

Zeta Help Inc.

Designed for iPhone

    • 4.5 • 307 Ratings
    • Free

iPhone Screenshots


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.

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:

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

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.

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.

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.

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.

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.

What’s New

Version 7.2.5

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.

Ratings and Reviews

4.5 out of 5
307 Ratings

307 Ratings

mprez333 ,

Envelope Budgeting and So Much More

My wife and I found ourselves displaced after the Simple closure and that brought on a lot of anxiety. Our budgeting system there was effectively a virtual "envelope" budget using Simple's goals. Our approach was really not very different from what people using YNAB or Mvelopes or other software might do. However, the beauty of Simple was that we did it in the app in real time instead of nightly or next day. Make a transaction, categorize it to the right "envelope", and always know what you have available. This was even more important given the joint account setup with my wife and I spending out of the same account over the course of the day. No saving receipts, no nightly downloads, etc.

Enter Zeta. We hopped on early and have been loving the ride. While they don't have real time transactions yet (coming soon!), they have everything else we wanted and needed from Simple and then some. Not only has it been an improved experience for us, but the Zeta team is honestly different than any other company or team I've ever dealt with. They take in feedback constantly, readily adapt to their customer feedback, and genuinely enjoy interacting with us. A human touch that is simply uncommon in the world of consumer products today. Give them a try. I genuinely believe you'll be glad you did!

CaseAnder ,

Finally - banking make Simple 🤩

After Simple Banks tragic closure, I’ve been on the hunt for a digital-first bank that offers envelope-style budgeting. I spotted Zeta and year or so back and have had my eye on them ever since. Recently my partner and I were looking to take early steps on integrate our some of our finances, and I thought “wait! I have the solution!” - even better, upon joining I learned that Zeta is testing Personal accounts - a win win! Now, my partner and I have our shared account and I have my personal, and the world is at peace. I have been saving money like a fiend and we’ve started to open the dialogue around finances - something notoriously challenging for couples. Even better, Zeta is passionate about helping couples navigate this - their articles and resources, plus friendly staff, have made this transition, well, at least the beginning parts, feel barrier-free. So excited to see what’s to come! To note, Zeta is definitely a small but mighty team fighting the good fight. Their app is improving weekly, but still has some hiccups to get through. Anytime I’ve had an issue, messaging support has gotten back quick, but be sure you have some patience as you transition everything into them. Otherwise, I would not be happier! 🙃

Leoreviews ,

Good path forward

Like many others, I’m a Simple refugee in search of a bank that can recreate what I lost. Zeta comes very close with having bill payments and goals. Their tagging feature is excellent. But the most exciting thing is their open roadmap and communication with end users. They have a concierge that you can message with any questions, and they communicate frequently with end users through email and Reddit. I think Zeta can become better than Simple over the next year, and I would recommend giving it a try.

The major hurdle that I see is that Zeta requires joint accounts to sign up. If I hadn’t recently gotten married, I would have skipped over trying Zeta. They have personal accounts, but you need to have a joint account first. This may may change in the future, but for now this is best for when you had a prior partner with simple or you want to show a new partner the joys of envelope banking.

App Privacy

The developer, Zeta Help Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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