We don’t have branches, But do have the answers…

We appreciate the reliability and support of those clients who were with us from the beginning. For that reason, we have decided to launch our sensational benefit called "Free For Life" which will permanently eliminate monthly fee charges for all clients who open a Zenus account before 2023.

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Your Zenus account is more than just a bank account. We like to think it will open up a new world for you. With our apps and online you can quickly and securely hold send and receive funds in a number efficient ways. You can make low cost domestic US payments, international transactions using SWIFT and move money for free between other Zenus members.

Additionally, your Visa Infinite debit card entitles you to a host of benefits including purchase and price protection, travel insurance, airport lounge access and a digital concierge. Check out our website for more information.

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Zenus Bank allows you to open one Personal account alongside a Corporate or Business account, but it is not possible to hold more than one Personal account. This is mainly due to our regulatory obligations.

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Once approved, you can use your virtual card before you receive your physical card. Please note that your Zenus Bank debit card is primarily a digital card, so you can start using your card for online purchases and payments as soon as your account is active. You will only receive a physical card if you request it.

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No, we do not pay interest on current accounts. As a full reserve bank we hold all client money within the bank and do not use it to lend, invest or trade. We believe this is the safest form of banking but it also means that we cannot offer interest bearing accounts.

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Zenus personal accounts do not earn interest.

Most banks earn money by lending yours to other people. To encourage you to hold more with them they pay you interest. We don't lend money so the amount of money you have in your account doesn't matter as much to us. It also means if you want to access all of your funds quickly and easily you'll have no problems.

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To reset your password go into the app's settings by pressing the three dots on the bottom-right corner of the home screen. You will be given a list of options, one of which being "Update password". Click on it, and then fill out the required fields, current password, new password, and confirm new password. Once you have updated your password, we recommend logging out to reset your biometrics preferences.

When you reset your password, your biometric settings will also be reset.

For IOS, the next time you log in after changing your password, you will need to do so by using your full credentials, and then the app will immediately prompt you to add facial recognition.

For Android, after changing your password your fingerprint will no longer work, to regain usage of your biometrics you will need to complete the following steps:

- Go into your phone's settings

- Then apps, and find the Zenus app

- Then go into storage and "clear data" (all of your bank information will be safe, you will be asked to reconfigure some settings as you use the app)

- Once these steps have been completed, open the Zenus app and log in using your credentials

- Immediately after logging in you will be asked if you want to reactivate your fingerprint

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You can see your account details in the Zenus app and online banking.

To view your account details:

Log in to your account,
Tap or click the three purple dots located in the top right corner of your bank account display card,
Select 'View Account Details' on the pop-up screen,
Click the switch button next to "Show details" which will allow you to see your account number.

Once you are in, for security, you will have 25 seconds to copy the information, if you need more time to get the information just repeat the process.

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No, there is no requirement to make a deposit to open an account or hold a minimum deposit in your account. You will however need to make sure your monthly account fee is paid and that there is regular activity on the account, otherwise we will close your account.

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If a client is unable to enter their 20 digit Zenus account number in the beneficiary account number field when transferring funds to their Zenus account on another platform, Client Services must advise them to enter the missing numbers in the reference or comments section using the format below:

ben acct num cont xxxxx

Notes:

1. The beneficiary account number should always be filled out with the numbers that it allows them to enter

2. Only the numbers missing on the beneficiary account number field should be added to the reference section

3. If a client is experiencing this issue on the Zenus app/website we should proceed with the steps needed to report this technical issue

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To be able to receive funds on your account is important that you have the account in an active status. To active your account you have to log in for the first time after your application has been approved.

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We think there's lots of good you'll want to open become a Zenus Member, here's just a few:

You can open a true US bank account remotely, without the need to be a US citizen, resident or registered business and it can take less than 10 minutes,

You can make and receive US domestic ACH payments, costing you less and letting you send and receive funds faster,

You can make and receive SWIFT payments,

You can make free international transfers to other Zenus Account holders,

All of your money is available to you, all of the time, allowing you quick and easy access to it when you need it,

We're a fully digital bank so there's no bank manager preventing you from transacting simply based on their opinion.

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At the time Zenus does not offer savings accounts.

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As long as you continue paying your monthly membership fee there is no limit to the length of time you can keep your funds securely with us. We operate as a full reserve bank, which means unlike other banks we do not lend your money to others. This ensures you can access all of it, all of the time.

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For now, we are only offering personal account membership. You are more than welcome to download the free Zenus Bank mobile application from the Apple Store and Play Store to apply. We are working to provide business, corporate and institutional accounts.

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For now all our accounts are in USD. You need just to apply for an account and when approved you will have a USD account.

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Currently, we are only offering USD accounts. You can make international payments and transfers easily at institutional FX rates.

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At the moment it's only possible to have one virtual and one physical debit card with your Zenus membership. The cards each have different details but are linked to the same Zenus bank account.

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Zenus Bank is not responsible for subscription services. If you use your account information for any subscription, ensure you find an alternate payment method before canceling your Zenus account.

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To change your registered phone number, complete the following steps:

1- Log in to the app and press the button at the right side of the dollar icon ($).
2- Press the pencil icon next to your current phone number in the contact information section.
3- Fill in your new phone number and press the “send code” button.
5- For your security purposes, complete the verification process.
6- Find the verification code in your text message inbox and enter the code in the app.

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To change your address, you have to complete the following steps:

1- Login to the app and press the person icon , located at the right side of the Dollar icon ($).
2- Press the pencil icon next to the personal address section.
3- Edit your current address and press, “update address” button, and click "accept".
4- For your security complete the verification process.

Completing this process allows you to complete the change and you will receive a pop-up message confirming the change.

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If your account stays Dormant for a continuous period of five (5) years or more, it will be permanently closed, and any funds will be transferred to Puerto Rico's Office of the Commissioner of Financial Institutions. Please note that Zenus Bank will not take responsibility for any unclaimed funds.

To ensure that your account remains Active, simply log in to the Zenus Bank app regularly.

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Your Zenus Bank card uses funds directly from your Zenus Bank account. You will not be able to use your card if your account has insufficient funds.

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Unfortunately, we do not offer junior accounts at the moment.

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