How do I open a ZenFunds account?

Your first step of becoming a ZenFunds member is to open a Checking Account. Here’s everything you need to know before opening an account: 

• You must have a valid Social Security number
• You must be at least 18 years old to open a Checking Account
• You must be a citizen or a legal resident of the United States.
• You must use a United States Post Office-recognized residential mailing address
• You may only have one account with ZenFunds.

You can open a Checking Account in the mobile application or on the website.

ZenFunds app ZenFunds.com

1. Download the mobile app for iPhone or Android.
2. Click Apply Now and follow the instructions. 
3. Provide your personal information correctly.

1. Go to  www.ZenFunds.com.
2. Click Sign Up and follow the instructions. 
3. Provide your personal information correctly.

Important! 

Double-check your name, email address, phone number, and SSN before submitting your enrollment.  

 

Frequently asked questions

Why was I unable to open a Checking Account?

ZenFunds uses a third party to confirm the personal information that you enter when you apply for a Checking Account. If your personal information cannot be verified, the application will be denied. Here are some tips to help you with the enrollment process:

• Make sure that you do not already have an account through ZenFunds. Only one account is allowed per person.
• Provide all the items requested accurately.
• If you tried to sign up on the ZenFunds website, download the app and sign up that way. If you tried the app first, try the website instead.
• Submit a photo ID, if requested. We only accept the following, unexpired, forms of identification:
  
  • U.S. driver's license
  • U.S. state ID
  • U.S. passport
  • U.S. passport card
  • Permanent resident card
  • Employment authorization card (work permit)
• Upload clear, well-lit images.
• Complete the entire enrollment process before closing the page.

What do I do if I enrolled with an incorrect email address? 

You can correct your email address in the ZenFunds app or on our website. Visit How do I update my email address? to learn how.

Does ZenFunds run a credit check to open a Checking Account?

No. ZenFunds doesn’t perform credit checks to open a Checking Account.

When will the Credit Builder card impact my credit score?

Your credit score is only affected once you activate your Credit Builder. For more information on credit scores, visit How does credit reporting with Credit Builder work?

Does ZenFunds offer joint accounts or business accounts?

No. ZenFunds doesn’t offer joint accounts and business accounts. ZenFunds accounts are for individual and personal use.

Does ZenFunds offer secondary cards?

No. ZenFunds doesn’t offer secondary cards. Only one ZenFunds Visa® Debit Card is allowed per Checking account.

Having trouble?

If you still need help, contact us by phone at [phone].