Why Your First Business Account Shouldn’t Come with Rules

Starting a business is already a big leap—paperwork, licenses, figuring out how to price your first product or land that first client. The last thing any new entrepreneur needs is a financial institution that gives them a list of rules before they even open an account. That’s why more first-time founders are looking for the best checking account online, one that doesn’t punish them for just getting started.

And here’s the truth no one talks about: big financial institutions weren’t built for small beginnings.

The Numbers Don’t Lie—We’re in a New Business Era

As of 2024, the U.S. has 33.3 million small businesses, employing over 61.6 million people. That’s not a statistic—it’s a movement. And here’s the kicker: 16 million new business applications have been filed since 2021.

So, if you’re starting a solo business, a side gig, or an emerging team, you’re not the only one. But here’s the catch: nearly 20% of new companies close within the first year, and one of the main reasons? Weak financial infrastructure.

Opening a traditional business account sounds easy—until you realize they want a $1,000 minimum deposit, monthly maintenance fees, and charge you for using your own money.

That’s where Zil.US flips the script.

Banking Without the Baggage

Zil.US is a modern, cloud-based payment platform offering what many call the best checking account online—and for good reason:

$0 initial fees
$0 maintenance charges
$0 minimum deposit

It’s simple: you sign up, create your account, and start using it. No paperwork marathons. No waiting period. No branch visits. Just you and your business, moving forward.

Why “No Minimums” Actually Matters

Think back to the early days of your business—or imagine them if you’re just getting started.

You’re invoicing your first few clients. Payments come in late (because they always do). You’ve got just enough to cover supplies, software tools, and maybe pay yourself a little.

Now imagine getting hit with a $25 “low balance” fee… for not having a balance you were never told you needed.

Zil.US was built to work with your reality—not punish you for it. You don’t need to worry about crossing some invisible fee threshold. You keep what you earn, period.

Multiple Accounts, One Smart Dashboard

Here’s something else financial institutions make harder than it should be: opening more than one business account. Why? Because they’re used to customers walking into branches, not managing finances on the go.

With Zil.US, you can open multiple checking accounts under the same platform. Use one for:

Incoming revenue
Payroll or contractor payouts
Tax savings
Operational expenses
Marketing budgets

This isn’t just helpful—it’s crucial for staying organized. Especially since over 55% of business owners keep $50,000 or more across their accounts. That kind of cash deserves to be separated, not stacked in one confusing pot.

It’s More Than an Account—It’s a Payment Engine

Zil.US isn’t just a digital drawer for your funds. It’s a full-blown payment engine. Here’s what you can do once your account is active:

ACH payments: One-time or recurring, great for payroll and bills
Wire transfers: Fast, secure, domestic or international
Virtual cards: Create unlimited business expense cards with set limits

It’s all built into your account from day one—no need to add features later or pay extra.

Designed for the Digital-First Entrepreneur

Whether you’re running a Shopify store, a logistics side hustle, or managing client work from your laptop at a café, Zil.US is made for the way modern business works.

100% online setup
iOS and Android app
Real-time transaction alerts
Permission-based access for team members
No waiting for banking hours—do it all 24/7

The Best Checking Account Online Puts You First

Most financial institutions build systems to protect themselves. Zil.US built a platform to protect and empower you—the dreamer, the doer, the new business owner trying to figure it all out.

So if you’re searching for the best checking account online—one that doesn’t charge you for starting small or experimenting with your first venture—Zil.US is it.

No fees. No judgment. Just a financial service built for actual business owners.