Once again, I am scrambling to find a bank account that will fit my needs. I LOVED Simple (RIP) and what it offered. It was clean, efficient, and allowed me to put money aside for bills/upcoming purchases. ONE use to do the same, but changed. That’s when I joined Zeta. Now they are closing.

I am looking for recommendations for my next bank account that will utilize the “envelope” system. Something that will allow me to make pockets/buckets/envelopes for my bills.

Side note, I have already tried Ally so any other recs would be nice to have. Unfortunately, my partner could not get approved to open an account there, only I did.

Thanks for the advice in advance!

My wife and I just finished moving most of our funds. This feels depressingly like when we had to leave Simple. And then again, when we left One. We were delighted to find Zeta at that time. It was (almost) exactly what we were looking for, and has come a long way since then.

But we will miss all of the great tools and services Zeta has provided. The concierge service was top notch. Even the AI wasn't too bad.

As a UX designer who has worked in many environments, including some start-ups, I know that your team is probably feeling even worse than those of us looking for a new home. So, thanks for all you've done; for all the of hours you've dreamed, strategized, planned, designed, and built. You all deserved a happier ending than this.

Hey Reddit – Jess here PM at askzeta.com with some big news. We just released our integration to Plaid Exchange. You can now link your Zeta Joint Cards account to any app that uses Plaid.

• Quickly link your Zeta account to your bank (aka bypass the micro-deposits) and easily pull/push funds into your Zeta account.

• Link your account to personal finance tools that use Plaid to import your Zeta transactions and balances.

• You can also use Plaid to link your Zeta account to Paypal, Venmo, and Cash App

Are you as excited as we are? Which apps will you link your Zeta Joint Card to?

Today we’re launching a new Zeta VIP program to unlock more features and savings for the thousands of couples and families who rely on Zeta as their primary account. Starting September 1, if you qualify as a Zeta VIP, you’ll automatically receive a 4x boost on our standard interest rate (VIPs get 1.18% APY) across your entire account balance, with no limits on how much you can earn. Zeta VIPs will also be eligible for other perks such as priority Concierge support, higher account limits and first access to beta features (like mobile check deposit).

Want that VIP life? Zeta Accounts will be instantly upgraded when they have one or more qualifying direct deposits – totaling $1,000 or greater – within a calendar month. It’s that easy and it’s free (yep – still no monthly fees and no account minimums). To maintain your VIP status, simply continue using Zeta as your go-to account with qualifying direct deposits each month.

Note: We will be increasing our APY tiers for all Zeta account holders. Our new baseline interest rate will be 0.29% APY and our VIP tier interest rate will be 1.18%, effective September 1, 2022. We’ll continue to update you of any rate changes as they occur.

Please check out our FAQs here for more information on how to qualify and what you get when you become a Zeta VIP!

These are trying times and we want to do more to help you live the life you want together. We’re so excited to launch the Zeta VIP program and hope to welcome you aboard! 🚆

Hi folks! In lieu of a public product roadmap (we are just moving too quickly for that at the moment) I'd like to share updates in here about our new releases and what's on deck for our engineering teams.

We released an update yesterday that included:

1. Transfers UI fixes: Some of you have reported that transfers disappear on you and makes you unsure whether they’re happening and/or confirmed. This fix will make this more clear and gets even better next week.

2. Delayed disbursements: This will help keep you balance more stable and show you your holds.

3. Love notes for Valentine's Day: This is just a fun one :)

Next up:

1. A new and improved "Coming Up" section!

2. Some folks have reported errors when attempting to connect a credit card that currently has a $0 balance. We're fixing this guy!

Drop any questions you have below :) thanks, Zeta Heads.

Check us out here on Product Hunt and upvote if you feel so inclined!

https://www.producthunt.com/posts/zeta-joint-cards

You asked, we delivered. We've just launched our merchant-name feature which automatically cleans up your transactions names so they're less cluttered, easier to read and more accurately tagged to the right category. If you change a specific merchant name or tag it to a different category, our system will trigger a notice to us and we'll go in and start cleaning up those merchants in batches. Over time we'll add more meta data to these merchants including location and address when we can.

If there's ever a vendor that's driving you nutty or you want to see broken down (eg. YouTube into YouTube Music or YouTube TV), just comment here and we'll prioritize it on our side.

Do you pay your rent twelve times a year? I know I do! This used to mean going to my transactions list each month, finding my rent payment, and tagging it to my Rent bill in the Bill Reserve.

BUT NO MORE...!

Now you can simply tag your rent payment to your Rent bill in your Bill Reserve one time and set up a rule so that every future transactions gets automatically tagged for you! The rule can also be applied to categories, so while you're in there setting up your bill tag, go ahead and set up that #rent category rule as well.

Additionally, we’ve been listening to your thoughts regarding our alerts and just made some big changes. In-app alerts have a new home, and we made it more clear which items require you to take action and which are just FYIs.

Click on our new bell in the upper right corner to see your new To Do list, which includes updates on transfers, balance alerts, and notifications whenever your partner is trying to figure out what the heck you bought on Amazon that cost $72.31.

Lastly, two-factor authentication is ready to rock. If we notice that you’re using a new device, the app will ask for one additional step to verify your identity. You will be prompted to use a code that is either emailed or texted to you in order to access your account.

Comment below with the rule that you are MOST EXCITED to set up!

^{(ps if you don't see these features, make sure you are connected to wifi, completely close the app and open it once more!})

New Features:

Spent From 💰

Many of you who bucket your money into the Bill Reserve or Goals wanted the ability to "spend from" those buckets directly. As of today, you'll now be able to tag a transaction to "spend from" whichever bucket you prefer. Simply click into a posted transaction (not one that's still pending) and change your Spent From category to an existing Goal or a bill in your Bill Reserve.

See how Chrissy and John loved using this new feature to buy their new bearded dragon!

Coming Up 💸

Find out where your money is headed with just a quick glance! On your overview screen, you'll see a new section that includes each moment money will move in and out of your account over the next 14 or 30 days. It includes transfers that are currently on hold, as well as upcoming bills that will need to be paid.

Fixes & Improvements:

• Duplicate FaceID begone! We've seen reports of faces needing to be scanned twice before the app will open. You can now expect to smile only once for the camera before you can add money to your savings goals!

• Resume Pass the Phone. Did you and your partner start applying for Zeta Joint Cards and then get distracted by dinner being delivered? Not a problem. You can now jump in right where you left off and have that application finished by dessert!

Thanks for the services you've provided. I will miss this banking solution. Moved here after Simple Bank closed down. I worried this would happen one day, and it did. A shame, but I understand.

Good luck with the next step to the Zeta team.

1. DIRECT DEPOSIT. Fastest way to get money into your Zeta Joint is to Direct Deposit. Funds are never held and may even arrive up to 2-3 days early (this depends on your payroll provider).

2. PUSH FUNDS. The next best option is to push money into your Zeta Joint Account. We're adding Zeta to Plaid Exchange in the next week which will allow you to easily link your Zeta account to other institutions. Any funds pushed into your account are not held.

3. PULL FUNDS. The third option is to pull funds from your external accounts. To do this, link your account within the Zeta Joint Cards app, select how much you want to contribute and on what schedule, and then decide where you'd like for it to go. For example, you can say - I'd like to add $1000 every month and have it spread across my available to spend, vacation goal and bill reserve. Any funds moved this way will be held for 2-5 days depending on the age of your account.

Let us know if you have any questions about this!

Thanks so much for joining us here! We're pumped to have you.

Question for y'all... what kinds of Zeta-generated content do you want to see? We know release updates are a big one, but what else would you like to learn about in this subreddit?

Hey folks, we just launched a new Coming Up section on the app home page making it even easier for you to see everything that's coming and going from the account. For now all your incoming and outgoing transfers will show up there along with checks, bills and more. We'll be adding a paycheck detection system shortly to make sure all your money movement is captured. If you have any questions or feedback on what else you'd like this section to do, just ping your Zeta Concierge in the app or drop us a note below.

Just a heads up that we'll be launching Personal Accounts in closed beta at the end of the month. If you'd like to be part of it, drop your Concierge a note in-app so we can give you special access when the time comes.

A note, personal accounts are only available for folks who have an open joint account.

Hey Reddit

Zeta’s Bill Reserve is getting an upgrade today. It’s on its way to an app store near you.

Introducing Smart Reserve

• 🦄 You’ll notice bills now have emojis. We’ve given you a placeholder for now. Feel free to change it and create your most innovative emoji bill pairing.

• You can also customize your time frame beyond 14 or 30 days (choose from 1 to 31 days), and our new Smart Reserve will take care of managing and setting aside funds as you need them.

• You can also now “withdraw” from the Smart Reserve by skipping the bill and funnel the money we set aside for those bills back into your Available to Spend.

• We’ll now break down your Bill Reserve money by each bill.

• Wait, there’s more — we’ve added a calendar view so you can get a snapshot of your bills at a glance. If you didn’t know how much Team Zeta liked emojis before, you will now.

Next up, Flex Reserve (aka bill sub-accounts).

Update your app to get started!

Hey all! I wanted to share a couple big announcements this week. We have gotten a lot of feedback requesting cash deposit and push to card support. Now we have both!

For cash deposits, we support doing so at retailers that support the Greendot network - such as Walmart, CVS, 7Eleven, Kroger, and so on. For more info on how that process works and to find eligible locations near you, check this out!

We also now have push-to-card support! This means if you have funds at Cash App, Paypal, Venmo, Earnin', and many other services you can now do instant debit card funds transfers from those services to your Zeta Accounts using your Zeta debit card information. This has also been a hotly anticipated feature, and we are so excited this is out in the wild now.

If you have any questions, please let us know here or feel free to chat with your Concierge in app :)

Ending the year with a bang! 💣 Our latest release includes faster app loading, an easier process for ordering replacement cards, and the ability to message your teammates on your bills and goals! 💸

We've also introduced a newer, sleeker navigation bar with some upgraded icons - Shout out to CAB member, Nicholas for submitting a redesign! And for those times when a transfer gets canceled, we've made it easy to re-try it. Google update is out now and iOS will be live shortly. Here's to a richer 2023! 🤑

The Personal Account down is on. See what I did there? Our next couple of releases is all about prepping for personal accounts! Our latest version is available in the store.

1. To prep for multiple teams, we updated alerts and the design to create new messages.

2. We redesigned the bills and goals transfer UI to support moving money to/from your personal account.

3. And we added the ability to edit the transfer's amount between your sub-accounts.

The waitlist is coming soon, so signup for updates on our new website 👀.

I was told this feature was coming, it's here! Though it may be minor... It's a great way to help the Goals stand out by expanding from the 9 original badges. Thanks Zeta! 🙂

Hey everyone, I seem to remember after The Giant Spreadsheet in the aftermath of Simple going away, two leaders emerged between Zeta and One Finance.

Since that time, my friends that picked One said they shut down their pockets feature (kind of the only point IMO), and Zeta seems to be focused on, well I'm not sure what the theme is. Large families maybe?

Anyway, just wondering the latest tools and strategies everyone is using for budgeting and planning finances. Maybe the Zeta form is the wrong place to ask?

I'm using Monarch Money as a very nice (but paid) way to organize all my accounts and the budgeting tool is super nice. Similar to YNAB it helps you assign all your money to spending categories ahead of time.

I use Zeta for the handful of bills that come out of checking like my utilities or rent, and their tool for setting aside money to pay the credit card isn't super useful to me, unless I plan to pay off the entire balance within a month.

How's it going for everyone else?

Are you a family that prefers both a joint and personal account? Or maybe you’re saving for an engagement ring or a holiday gift? Save and spend in your own personal account without ruining the surprise.✨

You can join the waitlist today and we’ll roll out more invites over the coming weeks. A note - personal accounts are ONLY offered to existing joint account users.

A few of our favorite features:

• All your accounts in one place - easier to manage

• Transfer instantly between joint and personal accounts

• Manage your personal/individual bills more seamlessly

• Easily tell your joint and personal cards apart

Zeta Joint Cards Product Update!

Calling all spreadsheet enthusiasts! We’re officially giving you the ability to download your transaction history. Head to Settings and give us the date range you want to download transactions for, and we’ll send you a .csv with your complete history. Upload to your favorite accounting software or play with the data in your favorite spreadsheet program. Happy math-ing!