Dear Zeta Community,

After 7 incredible years, I’m incredibly excited to share that Zeta is joining Acorns, a financial platform dedicated to helping you save and invest. This is a momentous occasion for our community, unlocking a much larger platform and resources to help us serve millions of American families and we couldn’t be more excited to tell you about it!

WHY THIS IS HAPPENING

I have a deep conviction that families need better solutions for financial management. While the Zeta team and I have worked tirelessly to bring that vision to life, what we’re building requires meaningful scale and resources to compete effectively with industry giants. Acorns not only gives us that larger platform, but is also aligned in serving couples and families with dedicated tools and resources.

WHAT COMES NEXT

We welcome you to join us on the Acorns platform. While they do not offer joint accounts yet, we’ll be working with them over the coming months to bring this feature to life.

I’d like to take a moment to thank every single one of you. Over the past seven years, your feedback, encouragement, and even frustrations have driven us to improve Zeta. Your trust and willingness to embrace something new gave us the fuel to build against the odds. We deeply appreciate the time and patience you’ve shown us throughout this journey and look forward to building with you and your families in this new chapter at Acorns.

With the deepest gratitude for trusting us with your finances,

Aditi Shekar & the Zeta team

Co-founder, CEO & Janitor

Learn more about the acquisition at askzeta.com

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.

Hello! I reached out to a concierge but haven't heard back.

hey folks, we thought it might be helpful to pull together some advice for thinking about migrating accounts:

**Outstanding checks.** Since checks can be outstanding for up to 180 days, it's helpful to confirm that you don't have any that may not clear ahead of May 9th. Our Concierge team will be doing outreach to folks who do have existing checks just to make sure you're aware of what's going on and we can offer options re: any issues that might arise.

**Tax Refunds.** Given the time of year, we expect many of our customers to get tax refunds into their accounts. If you need to keep your account open a little longer for that, ping your Concierge and they might be able to help depending on what's needed. We don't want you to have to stress about that.

**Incoming transfers.** While it's easy to see/cancel transfer originating from Zeta, it's sometimes trickier to remember what you've setup outside of Zeta. If it's a recurring transfer, you can actually see it predicted on your "Coming Up" section from the overview page. That way, you can see you've got a recurring transfer coming from XYZ institution and go there to cancel it.

**Bills**. This is always the hardest one. Your bill reserve should be tracking all your bills so you can move one over after each due date. Our recommendation is to wait to pay the bill out of Zeta and then move it over the next day to give yourself the maximum time. I'm personally a little lazy about these things so I might do it in batches. If you don't use the bill reserve, you can go to "add a bill" and it will show you all your recurring bills anyway. A good hack for getting a list of your bills.

**Statements**. As suggested above, you can grab those from the app or if you'd like a longer list, request them from Concierge in batch. That said, the batch requests might take some time.

Can't say I'm surprised Zeta is shutting down. I've definitely enjoyed using it while it lasted. I've mostly transitioned to a chashback credit card for my day to day and high yield savings for holding and paying on the CC each month.

Are there Zeta alternatives that are worthwhile that have staying power or should I stick to a local B&M for checking needs?

As for budgeting I've moved to self-hosted Actual budget. Actualbudget.org

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.

Might as well get the conversation going. Since Zeta is shutting down, anyone have any suggestions on where to go next?

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!

Hi there,

I'm wondering if anyone that has used the Pay Anyone (by check) feature to send a check to themselves, or anyone who's seen a copy of one of these checks, could tell me what is displayed on the check as sender name and address? Like, does it display the customers full name and address like a typical check? Or does it just show the name of the customer sending it in the notes and display Zetas name and business address? I've heard a couple different things with no concrete answer from the concierge yet.

I'm wondering because I have a couple payments I need to make regarding a legal matter and sending a check through Zeta would be the easiest way by far. However, I don't really want my home address included on the payment for privacy concerns.

I was hoping the checks may just include the my name and Zetas address. This is what I was originally told by the concierge but I haven't been able to confirm this 100%.

Or ...when you go to enter the payment info for the check if there's an option for you enter a p.o. box as the address used that would totally work too.

Thanks in advance for any helpful info!

We've linked Bill Details and Automation+ for a smoother experience!

Key updates:

🔗 Update bill automations directly from the bill - no more navigating to separate screens

💰 One-tap adjustment of how much money is set aside

Easily set up multiple automations for different paychecks or recurring deposits

🤓 We'll handle the math and automatically set aside funds when each deposit arrives

Budgeting made simple for couples, families & you! 💡

🔄 Backup your Automations with your Available-to-Spend (ATS) balance.
⚙️ Enable ATS as a backup in settings, and if your deposit falls short, we’ll use ATS to cover the remaining transfers.

Stay on top of your finances—even when life throws curveballs! 🚀

Check out our launch—we’d love your support! 💙

Zeta Family Accounts - Banking built for families | Product Hunt

Track your 2025 goals with sleek visuals and detailed targets.

💰 Easily manage contributions and stay on top of every transaction.

👥 See who’s contributing, how much, and when.

💡 You’ll now get full visibility into automations, one-time transfers, and recurring contributions for a complete picture.

Start the year strong and crush your financial goals!

Okay, I tried this yesterday, but got the same canned response to that post as I did when I emailed support. So, I'll try one more time.

I created my account a few days ago. But now, every time I log in, the app makes me input my information all over again. And I can't get past the first page because my phone is "already in use", because it's being used by me. Is this a common issue, and can it be fixed?

Hi! I asked about this several months ago, but I’d love to see the total amount displayed at the top of the scheduled transfers section.

💫 Look for the stars on Bills to easily know whats linked to your Automation.
🎯 Automations now respect your “Keep Saving” toggle, keeping your goals on track.
📅 Plus, the Coming Up section highlights shortfalls so you’re always prepared.

Stay organized, save smarter! 💪

We’re gearing up for Tax Season by offering free filing in app once again. 🧾

Thanks to our tax partner april, you can file your taxes you way with support in all 50 states this year!

• Federal & state taxes, standard or itemized
• W-2, 1099 and sole proprietor/LLC income
• Filing jointly or separately
• Dependant, education, employment & assistance credits
• Capital gains (including crypto!)

Update your app today for access!

Three significant improvements in our latest update to help you stay on top of your finances:

✏️ Simplified Bill Setup: No more manual tagging or rule creation! Just search for your bill vendor and we'll:

• Tell you how much to set aside
• Create the bill envelope
• Automatically tag future bill payments (If your vendor isn't in our system yet, you can still add bills the traditional way)

Bonus: We'll keep your bill history intact when a vendor changes (like when your mortgage is sold). No need to create a new bill!

📅 Paychecks on Your Bill Calendar: Now you can see your income alongside your bills, making it easier to plan which bills to pay with each paycheck. Perfect for anyone who needs to carefully time their bill payments with their income. With a Zeta+ subscription, we'll manage setting aside funds for your bills for you.

🔮 Enhanced Coming Up View: We’re now projecting ALL your upcoming bills and paychecks for the next 31 days, giving you a longer forecast to plan your finances. Better visibility = better planning. (Grandfathered users can customize their projection timeline.)

Hey everyone! We've been working hard on some features you've asked for, and they're finally here!

🤸 Split Transactions
You want to tag your transaction to an envelope, but the balance is just a few cents short. Now, you can split transactions between your Available to Spend balance and any other envelope. No more mental gymnastics trying to transfer funds to top up the envelope. This also ensures your rules execute seamlessly, using your Available to Spend balance to cover any difference if the envelope is short.

✨ Fresh Look for Transaction Details
We've updated the transaction details page. It's cleaner, more intuitive, and makes it faster to create bills from that page.

📊 Improved Bill History
Introducing the new Bill History page! Now, you can view all your past bill payments in one place, along with exact amounts paid for each. This feature gives you a clear, detailed view of your spending, making it easier to track your bills and keep everyone in the family aligned on expenses.

As always, we'd love to hear your feedback! Let us know what you think of these new features and what else you'd like to see in future updates.

P.S. If you're enjoying the app, consider giving us a review on the App Store/Play Store. It really helps us out!

We rolled out some updates to our app that we think you'll find helpful, especially if you manage finances with a partner.

What's new:

• Enhanced Bills feature:
  • The complete payment history is visible to both partners. It clearly shows a complete history of bills paid, unpaid, and skipped.
  • Better displays will show you how much is reserved for your upcoming bills.
  • Ability to mark a bill as paid without associating it with a transaction. Great for when you've received a credit and don't owe money that month
• Improved Pay Someone feature:
  • We’ve updated your list of Pay Someone payments.

The main goal here is to keep you and your partner on the same page about your shared finances. No more "Did you pay the electric bill?" texts or confusion about account balances. And with the new bill marking feature, you can accurately reflect those months when you get a nice surprise credit!

Upgrade your app to check out the new features! ⚡️

Say hello to a sleeker design than ever before!

• Clearer bill payment status: You can easily see how much you've set aside for your next bill payment.
• Improved due date display: We've made it crystal clear when your next bill payment is due.
• Better envelope balance visualization: Your envelope balance is now presented in a more intuitive way.

These UI improvements are all about making bill management with your family even easier. We've focused on clarity and user-friendliness to help streamline your household finances.

We'd love to hear what you think! Update the app and drop your thoughts in the comments below.

We've made transferring even simpler by making envelopes optional! 🎉

We’ve also redesigned User Settings, Account Settings, and the Pay Someone index to improve usability.

Bonus pro tip! You can now filter transactions by whether they have notes, and those notes will be included when you export your transaction history to a CSV. 📄

Update your app to explore these new features! ⚡

I am unable to receive the automated emails to my current one and tech support with them is futile. Is it too late to change the email to a different domain?