Zeta Joint Account

Zeta Joint Account

Family banking

335 ratings
98 reviews

Archived App (Last seen on 27 May 2025)

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • October 22, 2020
  • March 4, 2025

Features

Zeta Joint Account screenshot #1 for iPhone
Zeta Joint Account screenshot #2 for iPhone
Zeta Joint Account screenshot #3 for iPhone
Zeta Joint Account screenshot #4 for iPhone
Zeta Joint Account screenshot #5 for iPhone
Zeta Joint Account screenshot #6 for iPhone
Zeta Joint Account screenshot #7 for iPhone
Zeta Joint Account screenshot #8 for iPhone
🖼️Get Icon
Icons↘︎

About

This app provides a joint bank account designed for families and couples, offering smart automation for saving, spending, and bill payments. It facilitates seamless financial communication and includes dedicated human support for managing shared finances.

Joint bank account
Two debit cards
Smart automation for bills and savings
Shared spending tracking
In-app transaction messaging
Dedicated human support
FDIC-insured accounts
Show original description

What users say

See all reviews

What's New in Zeta Joint Account

8.8.0

March 4, 2025

Now on Zeta, link multiple credit cards from the same institution and add them to an Automation with just one tap. Plus, effortlessly add your goals to Automations, too! Stay on top of your family’s finances—effortlessly.

More

User reviews

Best Personal & Shared Banking!

I love this app so much and have been using it for a couple years now ☺️ So happy with all the improvements and communication they share. I am a former Simple Bank and One Bank user - and Zeta is by far the best to have come out of that mess. Highly recommend!! 😎

APP IS A SCAM !!

Me and my wife put $100 deposit into saving once we deposit money it said our account is Now locked ! And we had to send ID and W2 paystubs ! For a review! And we still never gotten our money back even after review! PLEASE ANYONE TRYING TO SAVE MONEY STAY AWAY FROM THIS APP!

Awful.

Cant complete signup because their app is garbage. Clicked "get help" chat box and nobody has reached back for over 24 hours. Id say its the worst customer service Ive ever experienced, but then I never actually had any contact beyond auto generated email. I'll be opening an account elsewhere.

Frozen stuck

Can’t get started. We both downloaded the app and filled out forms. We’ve been stuck in one of the opening menus saying we need more info. Ask to email it. Never receive email. Press help button. Directed to help email. Send help email. No response. Waste of time. Thanks!

Class action lawsuit

This “app” and so called “chat” customer service is non existent when you have an issue but when you first sign up it’s all peaches and cream. I have called the “actual bank” they use. And to no avail. They won’t even talk to you, they just give you and email. I’m just about 1/2 mile convinced that this is a total scam. I put in for a transfer from our bank and the money is no where to be found. I have googled, called “Piedmont bank” which I believe is also a scam. And a guy answered that seem to just be sitting. Around on a cell phone assigned to “sound legit”. I see others have had similar issues where their money is gone and there is no one to speak with. Also NOW all of a sudden the app keeps kicking me out. Prior to this last transfer request 95% of everything SEEM to be working. I’m about to start first eith the better business bureau, and work my way up. It might be $400 little money to them but it’d big to us and it’s missing. Not to mention they have ALL of our personal info AND THEY HAVE GHOSTED US, and the two emails that came, 1 was an automatic response and the other was basically “go back to the app”. When I went back to the app they act if it they were surprised and didn’t understand the issue which clearly a BLIND person can look at the dates and amounts and see the MONEY IS NOT THERE. When you all get ready we can go and file a class action lawsuit because clearly this women owned business is a scam, ripoff, an attempt steal, and fraud people out of their hard earned money. Not to mention identity theft and fraud. ZERO WAY TO LOG INTO YOUR ACCOUNT WITHOUT THE APP
Show more

User experience

🐞

Reported Bugs

5 issues

Transfers take too long

Bug

Inconsistent account balance display

Bug

Inability to edit transaction vendor names in bulk

Bug

Choppy app performance

Bug

Frequent reauthentication prompts

Bug

Requested Features

5 requests

Tap to pay

Feature

Checkbooks

Feature

Customizable security timeout

Feature

Bill pay

Feature

Zelle integration

Feature

FAQ

What is Zeta Joint Account?

Zeta Joint Account offers a joint spending and saving bank account designed for families and couples. It comes with two debit cards and a mobile app featuring smart automation to help manage shared finances, including bill payments and savings goals. The service aims to simplify financial collaboration and communication between partners.

What are the key features of Zeta Joint Account?

Key features include a single joint account for bills, savings, and tracking shared spending, automated bill payments, an envelope system to categorize balances, in-app messaging for transaction discussions, and dedicated human support. Users also receive virtual and physical debit cards, with options for ATM use and earning interest on balances.

Is there a cost to use Zeta Joint Account?

The app states there are no monthly fees, overdraft fees, or minimum balances required for the joint account. While the core banking service appears to be free, the mention of 'in-app purchases' in the monetization model suggests there might be optional add-ons or premium features available for purchase.

How does Zeta Joint Account ensure my money and data are safe?

Your Zeta Account is FDIC-insured up to $250,000 per depositor. The app employs robust security measures including AES 256-bit encryption, two-factor authentication, and Touch/Face ID support. Zeta does not store your financial login credentials and commits to never selling your data.

Who is the target audience for Zeta Joint Account?

This app is designed for couples, partners, and families who want to manage their finances together. It's ideal for those seeking a unified platform to handle shared expenses, save for joint goals, and improve communication around money matters without the complexities of traditional joint accounts.