Why ZenBusiness Banking?
Easy to open and maintain, our digital checking account is built for businesses starting out.
Just $5 a month, and no opening deposit or minimum balance to keep.
Since we have your formation info, you can apply in just a few clicks, and get approved.
Small business checking, plus expense tracking, deduction tagging, and tax tools.
Untangle your finances
Keep business finances separate from the start, and save time and money on taxes.
No minimum balance to keep
You won’t be penalized for low or no balances, so it’s easy to maintain.
No deposit required to open
Made for new businesses, you don’t need to put down any money to open.
Track expenses as you go
Auto-track and categorize expenses now, so you don’t have to play catch-up at tax time.
Mobile check deposit
Deposit checks in a snap, anytime, from your mobile phone or tablet.
Apply in just a few clicks
Since your business info and formation docs are in our system, applying is fast and easy.
Physical and virtual debit cards
Start using your virtual debit card right away, while you wait for your physical card.
Tag write-offs, save on taxes
Tag business expenses as you go, and see what you can save on your tax bill.
No, there is no minimum opening deposit or minimum balance required with a ZenBusiness Banking account. So there’s no additional cost to having the account ready for when you need it.
You can use both your physical and virtual cards for online purchases. However, we recommend that for all e-commerce purchases you use your virtual card details (which are easy to see in your ZenBusiness Banking Dashboard). And for in-person purchases, use your physical debit card.In the event of an issue, it’s a bit faster to replace your virtual card than your physical card (which has to be mailed).
We’re anxious to offer ZenBusiness Banking to everyone, but it’s only available to those who form their business through ZenBusiness at the current time. It’s also only available to customers who are structured as a single-member LLC (among a few additional criteria).
Yes. Your deposits are insured up to the FDIC standard insurance amount, which is currently $250,000 per depositor. This insurance is provided through our partner bank, Thread Bank. Their FDIC certificate number is  and can be found on the FDIC BankFind Tool.
*ZenBusiness is not a Bank. FDIC insurance is provided by Thread Bank; Member FDIC.
The only way to currently get cash into your ZenBusiness Banking account is to transfer it in from another account that accepts cash deposits.