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  Zeta Joint Account
Zeta Joint Account
in Checking Accounts from Zeta Help Inc · Member FDIC
Unaffiliated

Zeta Joint Account

Unaffiliated
in Checking Accounts from Zeta Help Inc · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.39%
(Verified 10/19/2022)
Monthly Fee $0
(Verified 10/19/2022)
Minimum Balance to Avoid Monthly Fee N/A

Zeta Joint Account Review

Zeta Joint Account is offered by Zeta, a nonbank financial services provider founded in 2017 and based in San Francisco, CA. Zeta Joint Account are available in 50 states (and Washington, DC).

Key Takeaways

  • Higher than average APY. Zeta Joint Account has an annual percentage yield of up to 0.39%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $0.01.
  • Supports joint accounts. This allows two people to have equal authority over the management of an account.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • No ATM fees. Zeta Joint Account does not charge fees on ATM transactions within its network but there is a fee of up to $2.50 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Zeta Help Inc.

Zeta Joint Account Pros & Cons

Pros Cons
  • Joint accounts available.
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Online-only account with no access to physical branches.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.

Zeta Joint Account FAQ

Are checking accounts from Zeta Help Inc federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #59154). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Zeta Joint Account offer?

Zeta Joint Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.39%

Zeta Joint Account offers an APY of 0.39% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $0.01.

What are the account minimums for Zeta Joint Account?

Zeta Joint Account does not require a minimum initial deposit.

Zeta Joint Account Minimums
Description
Minimum Opening Deposit $0
Minimum Balance to Earn APY $0.01

What fees does Zeta Joint Account charge?

The good news is that this account does not have a monthly Service Charge.

Zeta Joint Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
Foreign Transaction Fee (Debit Card) 2.75%
Returned Deposit Fee (Domestic) $25
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $20
Online Bill Pay Fee $0
Debit Card Replacement Fee $0

What features and perks does Zeta Joint Account offer?

This account includes the following features:

  • Fraud monitoring - Zeta Joint Account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Zeta Joint Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Zeta Joint Account?

The customer support email for Zeta Joint Account is support@askzeta.com.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

About Zeta Joint Account

View Zeta Help Inc Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit $0
Minimum Balance to Earn APY $0.01
Monthly Fee $0
(Verified 10/19/2022)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $2.50
Foreign Transaction Fee (Debit Card) 2.75%
Returned Deposit Fee (Domestic) $25
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $20
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Member FDIC
  • Online-Only Account
  • Expense Management
  • Joint Accounts
APY (Annual Percentage Yield) 0.39%
(Verified 10/19/2022)

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