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 banking

3.30% APY

Earn up to 3.30% on your deposits — far above the near 0% rates offered by traditional bank accounts

$3M FDIC Insurance

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

Elevate your spending with Zeni AI Checking Accounts

Discover a few of our favorite features

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.

Personalized sub-accounts for optimal control

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

Free wire transfers

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

Send and receive payments seamlessly

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

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.