How do I transfer money from another bank to my ZenFunds Checking Account?

ZenFunds accounts can be linked with external bank accounts through the services provided by Plaid.

You can link your external account to your ZenFunds account as long as the external bank is supported by Plaid and the name associated with the other account matches your name on your ZenFunds account.

Transfer money from an external account

You can link your external account to your ZenFunds Checking Account on the website under Settings > Linked Accounts. You can also do this by following these steps:

1. 1. Click Move Money on the left menu.
   2. Select Transfer from other banks.
   3. When prompted, enter the login credentials for your other bank or external account.

Your external account will be instantly linked to your Checking Account. The balance is updated when a transfer is initiated, and when the external account is first linked. If the balance is incorrect, you can update it by unlinking and relinking your external account account. 

Once your external account is linked, you can use the ZenFunds mobile app to make transfers from the external account to your Checking Account. You can view your transfer limits in the ZenFunds app: 

1. 1. Tap the gear icon to open Settings.
   2. Tap Account info.
   3. Tap View limits. 

Note: Transferred funds will be available within five (5) business days.

Frequently asked questions

How do I initiate a money transfer from my external account?

Many banks allow you to make transfers to ZenFunds from their website. If you have an external bank that offers this service:

1. 1. Log in to the other bank's website.
   2. Add your ZenFunds Checking Account using the routing and account numbers that you use for direct deposit. To find your routing and account numbers on the ZenFunds app, use How do I find my ZenFunds account number and routing number? – Help.

Why is my transfer taking so long?

Transfers between accounts are completed through ACH, which are only processed on business days (Monday through Friday, excluding any Federal holidays). After a transfer is processed, ZenFunds's bank partners ask that we hold the transfer for at least three (3) business days. Consequently, it takes a little less than a week to post the money to your Checking Account.

What are my transfer limits?

You can view your transfer limits in the ZenFunds mobile app: 

1. 1. Tap the gear icon to open Settings.
   2. Tap Account info.
   3. Tap View limits.