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

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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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.

If not, please contact Client Services

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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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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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, but have business, corporate and institutional accounts on the way.

Please sign up on our website to find out more.

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If you do not log in or make any transaction on your account for twelve (12) months the account will become Dormant. If this happens you will receive an email notifying your account status and asking you if you want to leave the account open or you will like to close it. 
After this, the account will stay open until birth the five (5) years from the status account changed to dormant. If your account status is Dormant for five (5) years or more the account will be closed. Funds will be transferred to Puerto Rico’s Officer of the Commissioner of Financial Institutions. Zenus will not be responsible for the abandoned funds.

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

If not, please contact Client Services