Self-Employed with a Small Business? Try a Free Business Checking Account

A free business checking account can be helpful for your business in managing funds and transactions. 

Meet Mia, a freelance graphic designer running her own business from home. Mia’s clients are global, and her payments come in through various channels. She used to manage everything from her personal checking account, which led to endless confusion during tax season and expensive fees for international payments. It felt like her hard-earned money was slipping away. Are you also experiencing something like this? Then, the blog is for you.

What is a Free Business Checking Account?

Is your money also not staying with you due to high transaction fees and hidden charges? It’s definitely time to start using online checking accounts.

Zil.US offers online checking accounts for businesses and individuals. Anyone can easily open an online checking account with zero charges. The platform does not incur:

1. Monthly charges
2. Maintenance fee
3. Initial charges
4. Minimum deposit charges

Users can instantly open a business or personal checking account with zero minimum deposit and without hidden charges. The software allows you to send affordable and secure ACH and wire transfers. Multiple online checking accounts can be opened and managed without extra charges via a single interface. Users can utilize multiple checking accounts for:

1. Separate accounts for revenue and expense
2. Tan management
3. Payroll management
4. Personal expenses
5. Vendor and supplier management
6. Managing different business departments and many more.

Flexible Payment Methods

The all in one platform allows you to conduct fund transfers using multiple payment methods.

1. ACH: Zil.US’s ACH payments simplify transactions by offering flexible online options for one-time or recurring payments affordably. Automated Clearing House is a U.S.-based electronic network for financial transactions. Funds move from one bank to another with the help of a centralized system that directs funds to their destination. ACH transfers are used for payroll, vendor payments, and other direct deposit formats. The platform operates through a secure system regulated by NACHA (National Automated Clearing House Association), ensuring that transactions are safe, reliable, and efficient.
2. Wire Transfer: Wire transfers, also referred to as wire payments, enable the transfer of money electronically without the need for physical cash. With Zil.US, you can securely send funds via wire, no matter where you or the recipient are located. Users conduct wire transfers and the payee can receive payments on the same day. The software offers robust security measures to facilitate international and domestic wire transfers. To make a fund transfer, all you need is the bank account numbers, names, addresses, routing numbers, and IBAN/SWIFT code of the sender and receiver.

Digital Wallet for Businesses

Zil.US offers a digital wallet with the flexibility to handle multiple payment methods. With a digital wallet, your business can easily make quick payments through ACH, wire transfers, or virtual cards and even issue checks directly from the wallet. The platform’s digital wallets are designed with advanced security features, including encryption, two-factor authentication, and payment status monitoring. Users can fund digital wallets via ACH and wire transfer easily from anywhere at any time.

Virtual Cards for Online Transactions

The platform offers virtual cards to businesses and individuals. Virtual cards are digital versions of traditional cards that can be instantly generated without any physical card issuance. Virtual cards offer the same functionality as physical cards and users can make online payments, manage subscriptions, and perform contactless transactions. Users can store these virtual cards on a mobile device, making them convenient and secure.

A corporate expense card, a type of virtual card, can be generated via the software for employee spending. Users can set spending limits and deactivate, activate and refund the card via ACH or wire transfer. You can create a card and block it after a period to avoid unwanted spending. Businesses can issue customized multiple corporate expense cards from a single account and have detailed transaction histories.

API Integration for Businesses

Zil.US’s API provides a solution for businesses looking to integrate payment services into their existing systems easily. With API, companies can automate their payment processes, eliminate manual errors, and enhance financial operations. Users can easily manage funds directly from their software applications, improving efficiency and saving valuable time. The platform’s API supports various payment methods, making it versatile for different business needs. By leveraging the API integration, businesses can improve their financial workflows and focus on growth while ensuring secure and reliable transactions.

Customer Support – All the Time

The platform has dedicated support for businesses, individuals, freelancers, etc., who deal with payments. The 24/7 customer support can solve your issues on demand without delays. With a reliable support team available through various channels—such as live chat and phone—users can easily access assistance when needed.

Conclusion

Zil.US manages your business finances better than traditional financial institutions. Whether you’re handling payments, keeping track of expenses, or issuing virtual cards for employees, the platform provides an all-in-one solution. From free business checking accounts to multiple payment options, the platform ensures your business stays organized and ready to grow. With 24/7 support and easy integration with your systems, you can focus on building your business.