AI BUSINESS CHECKING Accounts

Earn up to 4.05%² with AI Business Checking

It’s a new era of banking!^* Allow your money to start working for you with no fees and up to 4.05% APY on deposits. Expect higher returns, peace of mind, automated expense categorization, and dedicated financial support that scales with your business.

Bank on your future

Managing your funds shouldn't cut into your precious time growing your business.

Effortlessly integrate saving, spending, and growing your finances securely with modern banking^* — designed with founders in mind.

Upgrade to Zeni accounts

Traditional banking challenges

Earning as little as low as 0.07% on your money

Expensive fees, averaging $95 p/mo

Lacks advanced tools, insights, and automation

Elevate your business with Zeni Accounts

$3M FDIC Insurance¹

Rest easy knowing $3MFDIC insurance is available for your funds on deposit through Thread Bank; Member FDIC

4.05% APY on deposits²

Let Zeni start paying you! Earn up to 4.05% on your deposits — far above the near 0% rates offered by traditional bank accounts.

No monthly or hidden fees

When we say no hidden or monthly fees, we truly mean it — no ifs, ands, or buts.

Free wire transfers

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

Dedicated support

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

Ready to join the new era of banking?

Zeni Accounts goes beyond traditional banking^*. It offers strategic advantages, operational efficiency, and financial empowerment for your business.

*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://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.
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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 .99%-4.05% depending on the balances held. Earn 0.99% APY on checking balances of less than $250,000, 1.98% APY on balances between $250,000 and $500,000, 2.97% APY on savings balances between $500,000 and $1,500,000, 3.96% APY on savings balances between $1,500,000 and $2,500,000 and 4.05% 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.

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