The first AI-powered Business Checking Account
Watch your money grow with every deposit
.png)
.png)
.png)
.avif)
Bank on your future
Integrate saving, spending, and growing your finances securely with modern banking I
2.90% APY II
Earn up to 2.90% on your deposits — far above the near 0% rates offered by traditional bank accounts
.png)
$3M FDIC Insurance I
Get automatic insured cash sweep services, with 10x more protection than what’s offered by traditional banks
AI Business Debit Cards
Get 1.75% Cashback on every purchase, unlimited virtual cards, and complete spending control.
Let Zeni AI power your business banking *
Manage your books, review your reports, pay your bills, and spend, all in one place
.png)
Elevate your spending with Zeni AI Checking Accounts
Discover a few of our favorite features
MORE WAYS TO EARN
Spend anywhere. Earn 1.75% cashback everywhere
Zeni’s AI Business Debit Card broke all the rules with 1.75% cashback on every swipe. Built directly into your Zeni Checking Account, there’s no separate applications, no waiting, just another way to turn business spend into business income.
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
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.
Your finance team, reimagined with AI
Stay on top of your finances with real-time AI insights, backed by dedicated financial experts.
Your AI Accountant accounts for every dollar.
Every transaction is categorized, reconciled, and matched to the right vendor. Never wonder where the money is going.
Turn your balance into strategy with your AI CFO.
See what cash is available, what’s committed, and what’s coming next.
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.
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.