Zil Money, is a financial technology company and not a bank. Banking services are provided by our partner bank, Member FDIC. FDIC insurance applies only to eligible products associated with those that have funds held in accounts at the partner bank, subject to applicable limits and requirements.

1. Credit Card Processing & Rewards

  • Credit card processing fees apply.
  • Credit card processing fees apply to vendor and payroll credit card payments.
  • Rewards earned based on your card terms.

Cash-flow extension timing varies by card billing cycle.

2. ACH Processing & Cut-Off Times

  • Same-day ACH processing fees may apply.
  • Payments subject to cut-off times.
  • Processing times are estimates and may vary based on submission time, financial institution processing schedules, and ACH network operating hours.
  • Same-day ACH has specific cutoff times throughout the day. Payments submitted after the final cutoff will process the next business day.
  • Direct bank processing subject to standard ACH fees.

Platform access for ACH features may require an eligible Business plan. Terms apply.

3. Real-Time Payments (RTP)

  • RTP availability subject to recipient bank participation in the RTP® network and is subject to verification, limits, and processing restrictions.
  • Recipient bank must participate in The Clearing House RTP network.
  • RTP delivery times are typically within seconds but may vary.

Terms apply.

4. Wire Transfers

  • Same-day delivery for wires sent before cutoff time.
  • Wire transfer fees apply.

Terms apply.

5. International Payments

  • International payment costs vary by destination and amount.
  • Volume discounts available.

Terms apply.

6. Card & Payment Processing Variability

  • Card processing fees apply to all card transactions and vary by card type, transaction amount, and business type.
  • Same-day ACH and wire transfer fees may apply even when using Zil Money Wallet.

Terms apply.

7. Security & Compliance

  • Secured with advanced encryption and authentication protocols.
  • All services subject to approval, identity verification, and compliance requirements.

8. Testimonials & Metrics

  • Testimonials are individual customer experiences.
  • Results may vary.

9. Regulatory & Banking Disclosures

  • Zil Money is a fintech, not a bank.
  • FDIC insurance is provided through partner banks Texas National Bank and , where applicable by deposit type.

10. Terms & Conditions Access

For full details, users must visit:

zilmoney.com Terms and Conditions