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finder.com’s rating: 4.3 / 5.0
★★★★★Zeta Joint Cards allow two people to share one account, making it easy for couples and families to stay on the same page financially. But either of you can empty the account and close it at any time without consulting each other.
$0 per month
Minimum deposit to open
|APY||0.39% on balances of $0.01+|
|Fee||$0 per month|
|Minimum deposit to open||$0|
|ATMs||Free access to 55,000+ ATMs through the Allpoint network|
|ATM transaction fee||$0|
|Out-of-network ATM fee||$2.50|
|Foreign transaction fee||2.75%|
Michael Benninger is lead editor of banking at Forbes Advisor and a former writer at Finder, specializing in banking. His work and analysis has been featured in Business Insider, Yahoo Finance, GoBankingRates and the Los Angeles Times, among other top media. He holds a B.A. in business administration and marketing from Rowan University in New Jersey.
The Zeta Joint Card is best for couples who want to have a better overview of their finances and a place to manage it. Set savings goals, earn 0.39% in interest and receive notifications about any transactions.
But the account lacks several features. There’s currently no bill pay option and you can’t speak to support over the phone. Plus, it lacks security because you or your partner can empty and close the account at any time without each other’s approval.
You’ll need to apply for an account before you can set up your Joint Cards.
Once you’ve created a Zeta account follow these steps:
Once your partner has created a Zeta account and confirmed their connection to you, you’ll both receive Zeta Joint Cards tied to the same bank account. Together, the account and cards will let you both spend and save as a team.
To open a Zeta account, both you and your partner must meet these requirements:
In addition to meeting the above criteria, you and your partner must provide your Social Security number or Individual Taxpayer Identification Number.
You can use your Zeta Joint Card for free at any of the 32,000 ATMs in the MoneyPass network. If you use an ATM outside of that network, you’ll likely pay a fee to the ATM owner.
You and your partner can deposit and withdraw money from your account in multiple ways.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
Zeta is not currently available on Finder
Have you considered Chime Checking account?
Save easily and access your paycheck up to 2 days early with direct deposit. Pay $0 monthly fees, and no minimum balance is required. Access 24/7 support and get daily balance and transaction alerts. FDIC insured.
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