Solutions
01Receivables
Receive PaymentRequest PaymentsInvoice AutomationCheck DraftDeposit Slip
02More capabilities
IntegrationsDigital WalletDeveloper APIPositive PayShipping LabelDocument Mailing
03Payables
Send PaymentsBill PaymentMass/Bulk PaymentsPrint Checks Yourself NowMail Checks USPS/FedExeChecksInternational PaymentsACH/Direct Deposit
Real Time PaymentsVirtual CardPay Vendor By Credit CardPay Rent by Credit CardPay Payroll by Credit CardWire TransferEmail to Bill
04Industries
GovernmentUtilitiesHealthcare IndustryEducationCall CentersInsuranceMass TransitMembership ClubsRetail
Billing ServicesProfessional ServicesFood & BeverageConstructionWine and SpiritsCharitableLogisticsWholesale
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FAQ
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Solutions
Accounts ReceivableReceive PaymentRequest PaymentsInvoice AutomationCheck DraftDeposit Slip
Accounts PayableSend PaymentsBill PaymentMass/Bulk PaymentsPrint Checks Yourself NowMail Checks USPS/FedExeChecksInternational PaymentsACH/Direct DepositReal Time PaymentsVirtual CardPay Vendor By Credit CardPay Rent by Credit CardPay Payroll by Credit CardWire TransferEmail to Bill
Other CapabilitiesIntegrationsDigital WalletDeveloper APIPositive PayShipping LabelDocument Mailing
IndustriesGovernmentUtilitiesHealthcare IndustryEducationCall CentersInsuranceMass TransitMembership ClubsRetailBilling ServicesProfessional ServicesFood & BeverageConstructionWine and SpiritsCharitableLogisticsWholesale
PricingFAQAbout UsContact
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See ZIL MONEY in action.

We want to make your life easier.

  • Talk to a real product expert on a live screen share.
  • See features built around how your business pays and gets paid.
  • All the ways you need to send or receive payments.
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Or call us at (408) 775-7720

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Checking Account

Checking Accounts is essential for businesses to make frequent transactions.
The platform offers a checking account tailored for small business payment needs.
Open free checking accounts with zero monthly maintenance fees, and zero minimum deposits.
Users can enjoy hassle-free and quick money transfers, ACH, checks, and wire transfers.
They can also easily access their accounts anywhere on the platform.

Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.

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SOC 1

Type 1 Type 2
Reduced financial reporting risk
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SOC 2

Type 1 Type 2
Data integrity assurance
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GDPR

Enhanced user privacy rights
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PCI DSS

Protection against data breaches
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ISO 27001

Risk-based approach to security
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ISO 20000

Efficient service delivery
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ISO 9001

Customer-centric operations
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CCPA

User control over personal data
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NIST 800-53

Federal-level data protection
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HIPAA

Privacy protection for patient data

Financial Freedom for Businesses – Zero-Cost Banking, Maximum Control

1.5M+

 

online business
accounts

120B+

 

transaction
value

22M+

 

checks
processed

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Multiple Checking Account: A hand holds a smartphone displaying the Zil Money app with a list of four different accounts.

Multiple Checking Account

Businesses can efficiently manage funds with Zil Money by creating multiple checking accounts, simplifying financial management. This platform enables you to handle both personal and company expenses effectively. With multiple accounts, you can allocate payments to specific purposes, optimizing financial control and management.

Multiple Checking Account: A hand holds a smartphone displaying the Zil Money app with a list of four different accounts.
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A businessman confidently uses a tablet, with a shield and padlock icon and an upward trending graph signifying secured transactions and business growth.

Secured Transactions

With the online payment platform, you can make quick and secure transactions from home. Automated processes ensure the safety of all your payments. Zil Money uses state-of-the-art security features to protect your financial information. The platform also conveniently manages everyday transactions and reconciles bank accounts. Integration with over 22,000 banks and financial institutions in the US and Canada helps prevent fraud.

A businessman confidently uses a tablet, with a shield and padlock icon and an upward trending graph signifying secured transactions and business growth.

All In One Solution

You can easily make international and domestic payments from the comfort of your home or office. The cloud-based platform offers secure international and domestic wire transfers with low fees. Users can also choose from various payment methods, such as ACH, checks, payment links, etc.

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Why Zil Money!

A technology-first approach
to payments and finance

Easy to Access

High Security

Easy Payment

<br />
A young woman smiles while using her phone, representing efficient Cash Flow Management on the go.

Cash Flow Management

Zil Money’s easy-to-use platform helps businesses manage cash flow effectively. It allows users to track cash flow, set up regular payments, receive automatic payment reminders, and generate financial reports. With Zil Money, you can simplify financial management and enhance financial security.

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Explore Integrations →
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Frequently asked questions

What is a checking account?
A checking account is your go-to bank account for everyday transactions like withdrawals, deposits, purchases, and bill payments. With Zil Money's free checking account, you can access your money more easily than ever.
Which checking account is best?
Zil Money offers the best free checking accounts with no monthly fees or minimum balance requirements. Open your free account today! Send ACH, Wire transfer, eChecks, mail checks, payment links, and more.
What is a checking account used for?
A checking account is essential for daily business activities, allowing deposits, withdrawals, purchases, bill payments, and check writing. You can open a free checking account with Zil Money easily.
Checking Account vs Savings Account
A checking account is designed for everyday transactions, offering easy access to funds through checks, cards, and online transfers. In contrast, a savings account is intended for storing money over a longer term, typically providing higher interest rates but limiting the number of withdrawals. Both accounts serve different financial needs, with checking accounts catering to daily spending and savings accounts helping with future financial goals.

Every Customer Review
is a Story of Trust

"
During a cash shortage while waiting for clients to pay me, Zil Money let me put my payroll on my credit card. It provided a bridge so my business did not suffer. It was super easy to set up and use.
01/04
Mike S testimonial Alex Craig testimonial Cory Edwards testimonial
Rachel Ruiz testimonial

Cory Edwards

Owner Edwards Holdings Realty

The most helpful part is that Zil money can be used by everyone. It's very easy to navigate. THE USER INTERFACE is very easy to learn. It solves the problem of having various accounting software separately and unable to integrate. It allows all organization seamlessly.

Pay and get paid, in one account.
01Solutions
Accounts PayableAccounts ReceivableIntegrationsExpense ManagementBank DataDeposit SlipsMail DocumentShipping LabelAPI
02Payables
Send PaymentsBill PaymentMass PaymentsPrint ChecksMail CheckseChecksDomestic Wire
03Receivables
Receive PaymentRequest PaymentSend Payment LinksCheck DraftInvoice AutomationReceive ACH
04Integrations
QuickBooks OnlineQuickBooks DesktopQuickBooks PayrollZoho BooksZoho PayrollGustoZapierCreate Checks From PDFXero
05Resources
BlogsWhat's NewDeveloperLLMsNewsContactPress KitReferral ProgramKnowledge base
DisclaimerPrivacy PolicyTerms & ConditionsCookie Policy
© 2026 Zil Money. All rights reserved.
Zil Money, is a financial technology company, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance coverage applies only to eligible deposit products and accounts, and is subject to applicable terms, conditions, limitations, and requirements. Additional information regarding partner institutions, products, and services is available in the applicable terms and agreements.
"Zero fees," "Pay $0," "Get Started Free," and similar no-fee claims apply only to qualifying accounts and eligible transactions. To qualify for certain no-fee services, customers must maintain a minimum average wallet balance of $10,000 as required under the Wallet Deposit Policy. Accounts that do not meet applicable eligibility requirements may be subject to fees. See the Fee Schedule and Terms & Conditions for details.
Cash-back rewards are available only on qualifying transactions and are subject to eligibility requirements, program rules, and change without notice.
Payment speed claims, including "instant," "same-day," and "within minutes," apply only to eligible transactions and may vary based on payment rail availability, banking partner cut-off times, recipient financial institution processing, compliance reviews, fraud prevention measures, network availability, and other factors.
All products and services are subject to applicable laws, regulations, and the Zil Money Terms & Conditions.