What is Zeni Business Checking?
Zeni Business Checking is a business checking account built directly into the Zeni platform. It combines a high-yield checking account with AI-powered spend management — your money earns interest while Zeni automatically categorizes transactions, syncs with your books, and keeps everything in one place.
Banking services are provided by Thread Bank, Member FDIC.
Key features
- Up to 2.90% APY on qualifying balances (variable, subject to change)
- $0 monthly fees — no minimum balance required to earn interest
- Up to $3M FDIC insurance through Thread Bank's deposit sweep program
- AI transaction categorization — Zeni automatically categorizes all transactions
- Multiple accounts — create and nickname multiple checking accounts
- ACH, check, and wire transfers — all from the dashboard
Interest & APY
Rates are variable and subject to change. Accurate as of December 2025.
- Under $250,000: 0.37% APY
- $250,000–$500,000: 1.18% APY
- $500,000–$1,500,000: 2.00% APY
- $1,500,000–$2,500,000: 2.83% APY
- Over $2,500,000: 2.90% APY
FDIC insurance
Your Zeni Checking deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 that bank.
