Application FAQ

This artlcile details frequent questions about the application process for ZenBusinessBanking

Updated over a week ago

Do I need a driver's license or passport to apply?

At first, a driver’s license might not be required. We’ll let you know if we need it after you complete the application and we run our initial automated checks.

If you don’t have an SSN or ITIN, we’ll need your passport number and its country of issuance. We may request a photo copy of your passport after you complete the application. You will be able to securely upload it in our dashboard.

I lost or misplaced my EIN number, where can I get a copy?

If you lost your EIN documents, you can visit the IRS website where you can get a copy of your EIN number.

Do you check my credit history when I apply for a ZenBusiness account?

ZenBusiness will not check your credit history when you apply for a ZenBusiness Banking account. Also, having an account with ZenBusiness will not affect your credit score.

How long does it take to review my application?

It can be instant or up to 3 business days after submission of the application, or any requested documents are received.

How do I send my business documents when applying?

One of the benefits of forming with ZenBusiness is that we already have most of the information you need to open a ZenBusiness Business Banking account.

If we do need more documentation, either business or personal, you can securely upload the requested documents on your dashboard. Our system supports pdf, jpeg, and png files, up to 20mb in size.

If you need more help or have issues, contact us at

Why do I need to provide proof of address when applying for ZenBusiness?

The USA Patriot Act requires banks to be extra diligent when opening checking and debit accounts to verify each applicant’s identity. This often means ZenBusiness may be required to ask additional questions about your address for verification of said address.

ZenBusiness currently accepts the following documents to verify your address:

Full lease agreements

Utility bills (Dated within the last 30 days)

Bank statements (Dated within the last 30 days)

Current pay stub

ZenBusiness is a financial technology company and is not a bank. Banking services provided by Thread Bank; Member FDIC. The ZenBusiness Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Your funds are FDIC insured up to $250,000 through Thread Bank; Member FDIC.

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