Access your accounts, manage payments, check your statements and much more. 24 hours a day. We keep your personal and financial details secure with high-level encryption, and the latest bio-metric recognition technology. Why open a Zenus account? · Fully regulated U.S. digital bank · Fully digital application process without having the visit a branch · Do not need to be a U.S. citizen or resident · No minimum balance requirements · Visa Infinite Debit Card benefits · Metal Visa Infinite Debit Card upon request · Access local currencies at ATMs in over 200 countries · Unlimited free instant ZenTransfers · Flat fee, unlimited ACH Payments · Flat fee, unlimited Wire/SWIFT transfers · Institutional FX rates · Safe and secure Apply now. *Excludes countries sanctioned by the U.S. Department of the Treasury, OFAC and others selected by Zenus Zenus Bank is licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF) in Puerto Rico, USA as an International Financial Entity (license #IFE-061). Zenus™ is a trademark of Zenus Bank International Inc. Visa is a registered trademark of Visa International Service Association.