Own What’s Yours.
Bank like a boss.

Get a business bank account with no opening deposit, minimum balance, or monthly activities required.
Only $5 a month.

ZenBusiness is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Excellent 4.8 out of 5 stars 16,032 reviews
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*The listed affiliate partners will earn commissions if you purchase through links on their website.

Why ZenBusiness Banking?

Easy to open and maintain, our digital checking account is built for businesses starting out.

Made for new businesses

Just $5 a month, and no opening deposit or minimum balance to keep.

Quick and easy path to approval

Since we have your formation info, you can apply in just a few clicks, and get approved.

Business banking, plus more

Small business checking, plus expense tracking, deduction tagging, and tax tools.

Start your business today

Get the fastest information, worry-free services, and expert support you need.

ZenBusiness Banking Features

Get more with us

You pay   $0 Upfront + $5/mo

Top Features

ZenBusiness
Banking

Others

Opening deposit required

$0

+$100

Minimum monthly balance

$0

$1,500 – $2,500

Mobile check deposit

Same-day ACH transfers

$0

$10+

Transaction count caps

Varies

Expense tagging & categorization

Additional cost

Linking of external accounts

Tax-time help

Knowledge of your business

Application form fields to fill

Few

Many

LLC filing documents to submit

None

All

EIN requirement

Automatically added

Manual

Branch visit required to open

Likely

FDIC Insurance Available*

Up to $3,000,000

Up to $250,000

You pay

$0 Upfront + $5/mo

$100 Upfront + up to $16/mo

Data for Others based on top national business banks 2023 features, requirements, and pricing.

Banking FAQs

  • 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. This insurance is provided through our partner bank, Thread Bank; Member FDIC. Their FDIC certificate number is [9499] and can be found on the FDIC BankFind Tool.

     

    Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://go.thread.bank/sweepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact customerservice@thread.bank with questions regarding the sweep program.

  • The only way to currently get cash into your ZenBusiness Banking account is to transfer it in from another account that accepts cash deposits.

Start smart.

Apply for ZenBusiness Banking today and begin separating your business and personal finances as soon as you’re official.

ZenBusiness is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The ZenBusiness Visa Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC.

*Your deposits qualify for up to a maximum of $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://go.thread.bank/sweepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact customerservice@thread.bank with questions regarding the sweep program.