Zach Wermich
Articles
Recent activity by Zach Wermich
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Are ZenFunds Accounts FDIC insured?
ZenFunds accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, Stride Bank, N.A. or The Bancorp Bank, N.A. Members FDIC.
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Why did my SpotMe® limit go down?
If your SpotMe limit decreased, it may be due to a Boost or Bonus expiring, a change in your direct deposit frequency or amount, or a change in your account activity. Keep in mind that ZenFunds det...
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What is a chargeback?
When you dispute a charge, ZenFunds may file a chargeback with the merchant asking them to return the disputed transaction amount back to you. During this process, we also collect additional docume...
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How do refunds work?
After a merchant issues a refund, it usually takes up to five business days for the money to appear in your account. Keep in mind that this processing timeline is based on when the merchant issues ...
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If SpotMe® covers me, do I pay it back?
If you overdraw your account and SpotMe covers you, ZenFunds will deduct the negative balance from your next direct deposit or transfer of funds, whichever comes first. ZenFunds SpotMe is an option...
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Where can I withdraw cash?
Do you offer ATM withdrawals without fees? Yes! We have over 60,000 fee-free ATMs nationwide. To find an ATM near you, tap Cash Map in your ZenFunds app, or visit www.ZenFunds.com/atms. What are my...
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What's a temporary credit?
If we can’t resolve your dispute within ten business days (20 business days for new accounts), we may add a temporary credit to your account balance to cover the disputed amount. Dispute types und...
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What are SpotMe® tips?
While you won't pay a fee or interest to use SpotMe, you can choose to leave a tip once you use this service. If you overdraw your account and SpotMe covers it, you may be asked to leave a tip afte...
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How do I invite friends to join ZenFunds? (Referrals)
You can invite your friends to join ZenFunds using the ZenFunds mobile app or by logging in to your account online. To invite friends using the ZenFunds mobile app: Select the gear icon to ope...
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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...
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