The first AI-powered Business Checking Account

Watch your money grow with every deposit

Bank on your future

Integrate saving, spending, and growing your finances securely with modern banking²

3.73% APY²

Earn up to 3.73% on your deposits — far above the near 0% rates offered by traditional bank accounts

$3M FDIC Insurance¹

Get automatic insured cash sweep services, with 10x more protection than what’s offered by traditional banks

AI transactions

Automatically recognize and categorize financial transactions

Let Zeni AI power your business banking^*

Manage your books, review your reports, pay your bills, and spend, all in one place

Elevate your spending with Zeni AI Checking Accounts

Discover a few of our favorite features

Let ZENI AI DO THE HEAVY LIFTING

AI-powered for effortless accuracy

Zeni’s AI automatically categorizes transactions, identifies vendors, assigns classes, and reconciles transactions.

CUSTOMIZABLE TO FIT YOUR NEEDS

Personalized sub-accounts for optimal control

Organize your finances with unlimited sub-accounts, each with its own account number for better budgeting and management.

Save on Every Transaction

Free wire transfers

Save $15-$20 per transaction, paying $0 for both Domestic & International transactions with Zeni Checking Accounts.

Manage Payments With Ease

Send and receive payments seamlessly

Send, request, and transfer with just the click of a button.

Your AI-POWERED Financial Hub

One place for all expenses

Zeni Checking Accounts isn’t a standalone product. It works seamlessly with the rest of the Zeni suite — Bill Pay, Reimbursements, Credit Cards, and the Dashboard. Plus, they talk to each other all the time.

Expert Guidance, Just For You

Dedicated support

Do you have a question related to your Zeni Checking Account? Our financial experts will deliver fast and accurate advice tailored to your needs.

Ready to join the new era of banking^*?

Zeni AI Checking Accounts goes beyond traditional banking^*. Expect higher returns, automated expense categorization, and dedicated financial support that scales with your business.

FAQs

How Do I Qualify For A Zeni Business Checking Account?

Qualifying for a business checking account is a relatively simple process. You’ll typically need to prove that you own the business and that you have money to deposit into the account. Of course, there are exceptions to the rule.

For example, if you have another business checking account that’s overdrawn, you may have a hard time qualifying for a new one. It may be best to bring your original account back to good standing before you apply.

What do I need to open a Zeni Business Checking Account?

Financial regulations require Zeni to collect both identity and company details to verify your business.

Identity:‍

For identity details, you will need to provide DOB, Address, Email, Phone, Company Role, Ownership, SSN.

Company:

For company details, you will need to provide Company Name, Address, Website, Industry, Type Of Incorporation, Tax ID, Certificate Of Incorporation, EIN Document.

How many accounts can I open?

You are able to open unlimited checking accounts. Create as many checking accounts needed for your business.

How often does Zeni pay interest?

Interest is compounded daily and credited monthly to your Business Checking Account. Interest is calculated using the daily balance method. This method applies a daily periodic rate to the principal and interest that has accrued in the deposit account each day. This means that the interest from your account is calculated every day on a 365-day year/ 366-day for leap years.

Are my deposits FDIC Insured?

Zeni Checking Accounts are FDIC Insured up to $3M* through our partner banks and use of sweep networks. You can learn more about FDIC insurance here.

Business Checking Accounts

What types of companies does Zeni work with?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

Is the Zeni Dashboard available to all customers?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

What does the Zeni onboarding process entail?

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What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

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What integrations does Zeni support?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What types of companies does Zeni work with?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

Is the Zeni Dashboard available to all customers?

Is the Zeni Dashboard available to all customers?

What does the Zeni onboarding process entail?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What integrations does Zeni support?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What types of companies does Zeni work with?

We specialize in working with early- to growth-stage technology startups based in the United States across virtually every vertical — SaaS, B2B, e-commerce, education, healthcare, gaming, B2C, and more.

Is the Zeni Dashboard available to all customers?

Is the Zeni Dashboard available to all customers?

What does the Zeni onboarding process entail?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What are the hours of Zeni's Finance Concierge? How quickly should I expect a response?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

What integrations does Zeni support?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

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

1. 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.
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2. The interest rates and annual percentage yield on your account are accurate as of 05/16/23 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between .90%-3.73% depending on the balances held. Earn 0.90% APY on checking balances of less than $250,000, 1.81% APY on balances between $250,000 and $500,000, 2.72% APY on savings balances between $500,000 and $1,500,000, 3.65% APY on savings balances between $1,500,000 and $2,500,000 and 3.73% APY on savings balances of more than $2,500,000. There are no minimum balances or minimum deposits required to earn interest on your account.

3. The Zeni Business Credit Card is currently available to eligible Zeni customers by invite only. The Zeni Business Credit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

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