Zeni blog

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What Is a Fractional CFO? And If You Need One

How to Calculate Annual Recurring Revenue (For SaaS Companies)

What is Insured Cash Sweep? And Why It Matters

What Is Venture Debt Financing? And When to Use It

Easy Bookkeeping: For Small Businesses & Startups

10 Crucial Bookkeeping Clean-Up Checklist Items You Should Review

5 CFO KPIs You Should Be Tracking

The Future of Bookkeeping: Challenges and Trends

Trial Balance vs. Balance Sheet: Key Differences

What Is General Ledger Reconciliation?

10 Business Expense Categories Every SaaS Company Should Know

What Is Form 8995? Everything You Need To Know

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*Zeni is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

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I. Your deposits qualify for up to $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 https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program.

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II. The interest rates and annual percentage yield on your account are accurate as of 01/24/2025 and are variable and subject to change based on the target range of the Federal Funds rate. APY will vary between .81%-3.34% depending on the balances held. Earn 0.81% APY on checking balances of less than $250,000, 1.62% APY on balances between $250,000 and $500,000, 2.44% APY on savings balances between $500,000 and $1,500,000, 3.27% APY on savings balances between $1,500,000 and $2,500,000 and 3.34% APY on savings balances of more than $2,500,000. There are no minimum balances or minimum deposits required to earn interest on your account.

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III. The Zeni Business Credit Card is currently available to eligible Zeni customers by invite only. The Zeni Business Credit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

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IV. Payment services are provided by Community Federal Savings Bank and Column National Association, to which Nium, Inc. acts as a service provider. Zeni Inc is not licensed, nor exempt to provide any payment services in the US.

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