All Collections
ZenBusiness Banking
Depositing Money
Reviews of Transfers Into and Out of ZenBusiness
Reviews of Transfers Into and Out of ZenBusiness
Updated over a week ago

Your account and transaction activity are periodically reviewed, including ACH, debit card, wire, and check transfers into and out of ZenBusiness Banking accounts*. We may use internal fraud and risk procedures to complete these reviews, which help us assess whether any given ZenBusiness Banking account does not comply with the ZenBusiness Banking Business Deposit Account Agreement.

Reviews may result in the following:

  • Delayed, blocked or canceled transfers

  • Funds being frozen or held

  • Funds being applied to a negative ZenBusiness Banking account balance or used to offset loss incurred by ZenBusiness due to an overdrawn ZenBusiness Banking account

  • Account suspension or termination

  • Funds being seized to comply with a court order, warrant or other legal process

Among other reasons, we may take the above actions if you knowingly or unknowingly received a payment that was made from a stolen card, compromised bank account, or if you conducted a prohibited transaction such as receiving funds through the sale of goods identified as a prohibited business type.

As a result of our review process, you may be required to provide us with additional information and/or documentation to verify your identity. We may limit your account and your access to funds until such verification is complete.

* 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 anywhere Visa debit cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC.

Your deposits qualify for up to a maximum of $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank 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 the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at and a list of program banks at Please contact with questions regarding the sweep program.

Did this answer your question?