Stay protected, get a dedicated business bank account with no opening deposit or minimum balance.
Only $5 a month.ZenBusiness is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.
Proudly recommended by our affiliate partners*
Last Updated: June 23, 2025
*The listed affiliate partners will earn commissions if you purchase through links on their website.
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.
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.
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Top Features
ZenBusiness Banking
Others
Opening deposit required
$0
+$100
Minimum monthly balance
$1,500 – $2,500
Mobile check deposit
Same-day ACH transfers
$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.
Don't do it alone.
Our goal is to make business easy. We’ve got experts available by phone to answer questions, 7 days a week. Let us handle the details so you can focus on what you do best.
Amike Dynasty
A big shout out to Pierina D
A big shout out to Pierna D. Thank you for taking your time and explaining the steps to me as I was overwhelmed. Thank you for being so calming and nurturing I will 1000% recommend people just because of the service that you gave me thank you so much and like I told you, you need a raise. God bless.
Christian Friedrich
Evan helped me getting my website…
Evan helped me getting my website published with ease! Turns out I had screwed up a few things on my end but he was kind enough to fix the discrepancies and getting everything taken care of; all within a few minutes!
Maegan
Continually friendly service from ZB
Continually friendly service from ZB. I called their support line and received amazing help from Josh. After a long stressful day, he managed to put a smile on my face and was able to help me resolve my issue.
Rick B
I had no idea what to do to form my LLC…
I had no idea what to do to form my LLC. Zen made it painless and easy with multiple plans to choose from. Everything was A-plus handled and explained
Timothy Baxter
Great package deals with Zen Business
Zen Business gave me easy access to packages that are affordable and very helpful. The website page was easy to use and explained everything perfectly. Great job by Zen Business in creating such a great business format.
Rodney Williams
Tanisha G was outstanding
Tanisha G was superb. Thoughtful, insightful, proactive and most of all patient! I’m an instant and grateful fan
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 eager 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://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. 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.
Yes. If you’re not a U.S. citizen, but you formed a business with ZenBusiness, you can apply for a ZenBusiness Banking account.
For extra security to banking data and actions, users are required to authenticate themselves using mobile-based OTP (one-time password). Currently, only USA mobile numbers can be used for mobile OTP-based authentication.
You might also be required to upload a screenshot of your passport to confirm your info.
ZenBusiness Banking costs $5 per month.
This includes
Yes, you can transfer funds from your personal account to your ZenBusiness Banking account. Funding that your business receives from you as an owner is called an owner’s contribution and may also provide tax benefits.
No, ZenBusiness Banking does not currently support international wire transfers. For international transfers, you can use a different service like Wise.
No, there is no minimum balance requirement for ZenBusiness Banking.
Yes, ZenBusiness Banking can be used for e-commerce businesses. You can connect ZenBusiness Banking to your payment processor so that you can receive your funds in a small business banking account. This allows you to separate business and personal finances to protect your assets and simplify tax prep.
You can connect your ZenBusiness Banking account to your PayPal account so that you can transfer funds into ZenBusiness Banking. Once funds are available in ZenBusiness Banking, you can use your business debit card to purchase and manage business expenses.
Yes, you can cancel ZenBusiness Banking by contacting the customer support team at any time.
Start your business today
Get the fastest information, worry-free services, and expert support you need.
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://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program.