# Zeta Joint Account — Family banking > Joint bank accounts with smart automation for families and couples. (iPhone/iPad app by Zeta Help Inc..) - Source: https://appshunter.io/ios/app/zeta-joint-account/id1493011848 (this page in markdown: same URL + `.md`) - Developer: [Zeta Help Inc.](https://appshunter.io/developer/1444687020) - Category: Finance, Utilities - Price: Free - Rating: 4.40/5 from 335 App Store ratings · 98 written reviews indexed - Age rating: 4+ - Requires: iOS 13.4 · 75 MB - Languages: American English - Released: 2020-10-22 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/zeta-joint-account/id1493011848/reviews.md ## What is Zeta Joint Account? 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 family 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: - Use your Zeta Card at any ATM - 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. Zeta Help Inc. 2261 Market Street #4718, San Francisco, CA 94114 ## Key features - 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 ## What do users think of Zeta Joint Account? Overall sentiment: neutral **Pros** - 🚀 Best Personal & Shared Banking - 👍 Ideal Online Banking - 💡 Game-changer - 👍 Hands Down, The Best Bank - 👍 Awesome Money Management Tools and Automations - 👍 The New Simple Bank - 👍 Envelope Budgeting and So Much More - 👍 Great Simple Replacement! - 👍 Joint Account - 👍 Budget App for Couples! - 👍 Great App **Cons** - 🐛 APP IS A SCAM !! - 🐛 Awful. - 🐛 Frozen stuck - 🐛 Class action lawsuit - 🐛 Zeta app - 🐛 This bank has potential but the app is riddled with bugs. - 🐛 Poor Customer Service - 🐛 Steals your sensitive personal information - 🐛 Wants too much personal info - 🐛 No communication - 🐛 OK app, TERRIBLE Bank - 🐛 Scam - 🐛 Glitchy and slow - 🐛 Taking too long to start using **Commonly reported bugs** - Transfers take too long - Inconsistent account balance display - Inability to edit transaction vendor names in bulk - Choppy app performance - Frequent reauthentication prompts **Most requested features** - Tap to pay - Checkbooks - Customizable security timeout - Bill pay - Zelle integration ## Recent user reviews (10 of 98) All indexed reviews: https://appshunter.io/ios/app/zeta-joint-account/id1493011848/reviews.md ### 5/5 — Best Personal & Shared Banking! *2025-03-06, version 8.8.0* 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!! 😎 ### 1/5 — APP IS A SCAM !! *2025-02-13, version 8.5.3* 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! ### 1/5 — Awful. *2025-01-20, version 8.4.0* 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. ### 1/5 — Frozen stuck *2024-12-19, version 8.3.0* 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! ### 1/5 — Class action lawsuit *2024-12-02, version 8.1.0* 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 ### 1/5 — Zeta app *2024-11-21, version 8.1.0* The app doesn’t work anymore ### 5/5 — The Perfect Banking App *2024-10-07* Like a lot of other reviewers, I was a member of Simple banking and relied heavily on it. Once it was bought out and closed I couldn’t find anything even close. When I finally discovered Zeta I was extremely excited even though it didn’t quite have everything Simple did. The most important thing it had/has is an amazing and responsive development and customer service team. The team is always looking for feedback and always adding new features. With the upcoming ability to split transactions Zeta will officially have everything Simple had AND more. I have nothing, but praise for Zeta and am a huge fan of it. **Developer response:** Hey Zane! Wow, thank you so much for taking the time to leave us this great feedback. So happy to hear we're heading in the right direction! 🔥 ### 2/5 — This bank has potential but the app is riddled with bugs. *2024-10-01* This app demos well but the developers don’t make sure it works beyond the happy path. Can’t connect more than one credit card from the same bank. Cannot do things like assign a bill payment from the past to a bill budget. Cannot have two separate bills from the same institution. There are so many uses cases like this make it practically unusable for anyone who’s serious about using it for budgeting. Zeta: make the app run smoother and improve performance, make all your current features work beyond the toyish demos, and don’t bother shipping new features until it does. Hire more QAs and hire a better product owner. **Developer response:** Thank you for taking the time to share your feedback. We're sorry to hear that your experience with your Zeta Account hasn't met your expectations, and we appreciate the detailed insights you've provided. Our goal is to make budgeting seamless for all users, and we understand that issues like these can be frustrating when they hinder that experience. We're actively working on improving performance and enhancing existing features - for example, we are soon going to be able to support two separate bills from the same institution. Your specific points around credit card connections, bill payments, and budgeting are valuable to our development process and we’re prioritizing these concerns as we continue refining the app. Thank you for your patience as we work to make meaningful updates, and please feel free to reach out to our support team if you have any further suggestions or need assistance in the meantime. ### 1/5 — Poor Customer Service *2024-09-30, version 7.8.1* They told me to verify my identity… so I did two weeks ago two different times. It’s still asking me to verify my identity and I’ve emailed them countless times. Waste of time. ### 5/5 — Has been great for us! *2024-09-19, version 7.8.1* My husband and I both have adhd and we absolutely loved the bank simple with the virtual envelopes we were sad when that bank closed. We have found we love Zeta even more than the other bank! Can’t wait to see what new features come out next. ## Frequently asked questions about Zeta Joint Account ### 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. ## Version history (last 5 releases) ### 8.8.0 — 2025-03-04 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. ### 8.6.0 — 2025-02-20 Simplify your bill budget with Zeta's latest update! When your bill amounts or due dates change, updating your budget is now effortless. With just one tap, adjust how much money is set aside. Seamlessly stay on top of your family’s finances together. ### 8.5.3 — 2025-02-06 This release includes an update to Automation+. Back up your automation with Available-to-Spend (ATS) balance! Enable ATS as a backup in your automation settings, and we'll use those funds to complete your automated transfers if your deposit falls short. Stay on top of your finances even when the unexpected happens. As well, we've updated how to reach new households and families looking for joint accounts. ### 8.5.1 — 2025-02-04 This release includes an update to Automation+. Back up your automation with Available-to-Spend (ATS) balance! Enable ATS as a backup in your automation settings, and we'll use those funds to complete your automated transfers if your deposit falls short. Stay on top of your finances even when the unexpected happens. We also included some feature changes to help users find Zeta better! ### 8.5.0 — 2025-01-28 This release includes an update to Automation+. Back up your automation with Available-to-Spend (ATS) balance! Enable ATS as a backup in your automation settings, and we'll use those funds to complete your automated transfers if your deposit falls short. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*