ZenBusiness Banking Closure FAQ
ZenBusiness Banking accounts will close on November 30, 2026. Deposits into your ZenBusiness Banking account will be disabled starting November 1, 2026. Before your account closes, choose and open a new banking account, redirect deposits and connected payments, confirm your mailing address, and move your remaining funds. A check will be mailed to the address on file for any remaining balance greater than $1.00.
Important Dates
| Date | What happens |
|---|---|
| October 1, 2026 | You can begin exploring and applying for an account with a banking provider identified by ZenBusiness. |
| November 1, 2026 | Deposits into ZenBusiness Banking accounts are disabled. Redirect direct deposits and other incoming funds before this date. |
| November 30, 2026 | ZenBusiness Banking accounts close. Confirm your mailing address, move your remaining funds, and update connected transactions by this date. |
Why Is ZenBusiness Banking Closing?
We’ve identified other banking options that provide broad benefits, financial tools, and support for growing businesses.
As part of this transition, ZenBusiness Banking accounts will close on November 30. We’re making this change so we can focus on improving your overall ZenBusiness experience while helping make your move to a new bank as smooth as possible.
The ZenBusiness Banking program is being discontinued. These changes apply to accounts offered through the program and are not based on your individual creditworthiness or account performance.
What Happens to My ZenBusiness Banking Account?
Your ZenBusiness Banking account will close on November 30.
Your account stays open and usable through the transition. On November 1, 2026, you'll no longer be able to add money to your account, though your existing balance and account history will still be visible.
When will deposits stop?
Deposits into your ZenBusiness Banking account will be disabled starting November 1. Update any direct deposits and incoming transfers before that date.
Can I continue using my debit card?
We recommend moving your funds and stopping use of your ZenBusiness Banking card before November 30. On November 30, your ZenBusiness Banking account will close and any associated debit cards with your account will no longer work.
What happens to pending transactions?
Avoid initiating transactions close to the deadline and allow enough time for them to settle.
What Do I Need to Do Before My Account Closes?
- Choose and open a new banking account.
- Move your remaining funds by November 30.
- Redirect deposits and incoming transfers.
- Update automatic payments, subscriptions, payroll, and vendor payments.
- Confirm that your mailing address is current.
Transfer your remaining funds by November 30. Starting October 1, 2026, ZenBusiness is not charging wire fees. For transfer steps, see Sending Money with ZenBusiness Banking.
Will ZenBusiness automatically move my money?
No. You are responsible for opening a new account and transferring your funds by November 30. Starting October 1, 2026, ZenBusiness is not charging wire fees, which makes moving your funds by wire easier.
Will I be charged a fee to transfer my funds?
Starting October 1, 2026, ZenBusiness is not charging wire fees, and standard and same-day ACH transfers are free. Your receiving financial institution may charge separate fees, so review its terms before initiating a transfer.
What happens to automatic payments and subscriptions?
They will not automatically transfer to your new account. Update every business or service that withdraws funds from your ZenBusiness Banking account.
This may include payroll, utilities, subscriptions, loans, taxes, insurance, and vendor payments.
Will incoming deposits be forwarded?
No. Deposits will not be forwarded to your new account. Beginning November 1, deposits into your ZenBusiness Banking account will be disabled.
After November 1, do not send direct deposits, ACH credits, customer payments, or other incoming transfers to this account. Incoming funds will be rejected or returned to the sender.
Contact each sender and provide your new banking information.
What happens to refunds sent to my closed account?
Update merchants with your new account information before requesting a refund.
Remaining Balances and Mailed Checks
What happens if I still have funds in my account after November 30?
If you haven't opted in or moved your funds by November 30, 2026, your ZenBusiness Banking account will close along with the rest of the program.
A check will be mailed to the address on file for any remaining balance greater than $1.00. Confirm that your mailing address is current to help prevent delays.
What happens if I leave money in my account?
If funds remain after your account closes, a check will be mailed to the address on file for any balance greater than $1.00.
Moving your funds before November 30 is the fastest way to maintain access to your money and avoid waiting for a check. Starting October 1, 2026, ZenBusiness is not charging wire fees.
How do I confirm my mailing address?
You can confirm your mailing address here.
Update your address before November 30 to help ensure that any check is mailed to the correct location.
When will I receive my check?
Delivery timing may depend on when the check is issued and the mailing service. Allow up to six weeks for delivery of the mailed check. Contact our support team if you do not receive it within that window.
Choosing a New Bank
Do I have to choose one of the banking partners identified by ZenBusiness?
No. You can explore one of our preferred partners or move your funds to any financial institution you choose. Partner offers, features, eligibility requirements, and account approval may vary.
To compare the two options ZenBusiness has identified, see Bank of America vs Mercury: Choosing a New Business Bank. For the steps to transfer your balance, see Move Your Money From ZenBusiness Banking.
Am I guaranteed to be approved?
No. Each provider has its own application, identity-verification, eligibility, and approval requirements. Applying with one of our partners doesn't guarantee approval, and you're always free to apply with a bank of your choice.
Can I still use Money Pro after ZenBusiness Banking closes?
Yes. Money Pro is a separate product and keeps working. ZenBusiness Banking links to Money Pro automatically, but that account can no longer be linked after it closes on November 30, 2026. Once you open a new account, link it to Money Pro through Plaid. Mercury and Bank of America can both be linked this way. See How to Connect Your Bank Account to Money Pro.
Will ZenBusiness help with my application?
Where available and permitted, ZenBusiness may pre-fill information you previously provided to make the process easier. You will be able to review and confirm your information before submitting an application.
The banking provider is responsible for reviewing and approving the application.
Statements, Tax Documents, and Disputes
Can I access statements after my account closes?
Yes, statements and transaction records will continue to be available on your Banking dashboard, for at least 1 year.
Will I still receive tax documents?
Keep your contact and mailing information current.
What if I have an open dispute or unauthorized transaction?
Continue working with ZenBusiness Support on any existing dispute. Account closure does not eliminate your ability to report an issue.
Who Can I Contact for Help?
Contact our support team with questions about your ZenBusiness Banking account or its closure.
For questions about an application, approval decision, or banking product offered by our banking partners, contact that provider directly.
Related Articles
- Bank of America vs Mercury: Choosing a New Business Bank
- Move Your Money From ZenBusiness Banking
- ZenBusiness Banking help center
- Sending Money with ZenBusiness Banking
- Linking External Accounts to ZenBusiness Banking
- ZenBusiness Banking Debit Card Guide
- ZenBusiness Banking and Money Pro — How They Work Together
- Separating Business and Personal Finances
Important Information
Opening an account with one of our banking partners is optional. You can move your funds to any financial institution you choose.
ZenBusiness is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.