Z-Wallet

A convenient electronic wallet that reduces banking fees with quick money transfers and many more features.

Z-Balance

An automate budgeting tool that eliminates temptation to overspend money and pays bills electronically.

Credit Builder

Buy using Z-Balance to pay bills on time, credit points will increase every month.

Secure and Private

Protect personal bank, debit, and credit accounts when shopping on-line.

Prepaid Card

Instant virtual and physical card with full features of a prepaid card without the usual costs.

Save Money

Using Z-Wallet to shop provides discounts, low overdraft fees, FDIC insurance, and no credit checks.

Z-WalletTM

With Z-Wallet there are low account fees, you can load cash, deposit checks, use direct deposit, link your bank account or add funds using your debit or credit card. Use Z-Wallet to pay bills, send and receive money with family and friends, and make online purchases by issuing a secure, instant Virtual VISA. Managing your money just got a little easier with Z-Wallet by Zooyza.
Login Sign-Up

Features

Icon

Purchase at
Authorized Retailers

Tired of paying with cash?
Use Z-Wallet to make purchases at any Authorized Retailer and receive 5% cash back at participating retailers.

Icon

Generate Virtual Cards

Tired of costly pre-paid cards?
Use Z-Wallet to create an instant, tokenized virtual VISA card to make secure, discreet online purchases.

Icon

Pay Bills

Frustrated with standing in lines to buy costly money orders?
Use Z-Wallet to pay bills and top-up mobile all from your Z-Wallet app.

Icon

Mobile Top-Up

Struggling to top-up your mobile on time? Top-Up your mobile at your convenience using your Z-Wallet app.

Icon

Send and Receive Money

Need money now?
Use Z-Wallet to instantly send and receive money between Z-Wallet family and friends in the US and abroad.

Icon

Issue Checks

Need to pay by check?
Let us help you mail and issue checks using your Z-Wallet app.

Icon

Receive Paychecks Early

Tired of waiting for your money?
Set up early direct deposit and get your paycheck up to 2 days earlier than your co-workers.

Icon

Z-Balance TM

Need help getting through the month? Z-Wallet has zero account fees, no overdraft fees, and no minimum balance required.

How it Works

Sign-Up to Z-Wallet

Opening your Z-Wallet is fast, free, and as easy as 1, 2, 3. Download your Z-Wallet app and sign-up using your driver's license or state ID. Once enrolled you can load cash, deposit check, use direct deposit or instantly fund your Z-Wallet using your debit or credit card. It's that easy!
Sign-Up

Loading Options

Cash

Load Cash

Instantly Load Cash where you shop!

Visit a Walmart or Walgreens near you or any of the 70,000 Green Dot (MoneyPak) loading networks to deposit up to $500 and receive instant access to your cash via Z-Wallet. MoneyPak fees will apply.

Cash

Link Bank Account

Link you bank account to make secure and discreet purchases!

Link your bank accounts to Z-Wallet and pay at any Z-Wallet Authorized Retailer or make secure and discreet online purchases using Z-Wallet's Instant Virtual Visa.

Cash

Remote Deposit Check

Deposit checks to Z-Wallet!

Use your Z-wallet app to take a picture of a check written to you and instantly deposit funds into your Z-Wallet.

Check

Direct Deposit

Directly Deposit your paycheck and get early access to your money!

Let us help you directly deposit your paycheck to Z-Wallet. The process is easy and, once complete, may allow up to 2 days quicker access to your money.

Pricing Table

Z-Wallet Z-Wallet + Virtual Prepaid Card Z-wallet + Physical Prepaid Card Z-Wallet + Unlimited Services
Monthly Fee Free Free $4.95 $29.95
Purchase Price Free $3.95 Free Free
Per Load Limit $7,500 $500 $999 $9,999
Maximum Account Balance $9,999 $500 $9,999 $50,000
Maximum Loads per Month 12 1 12 Included / Unlimited
Loads / Deposits
Direct Deposit Free Free Included / Unlimited
Check Deposit 2% + $1 Included / Unlimited
Cash Deposit (Zooyza Retailers) Free Free $3.95 Included / Unlimited
ACH Deposit / Withdrawal Free Free Included / Unlimited
Remote Deposit by Image Free Included / Unlimited
Cash Deposit (Loading Network) Free 2% +1 Included / Unlimited
Credit / Debit Card Deposit 5% + $1 5% + $1 5% + $1 5% + $1
POS Purchases
POS Purchases Included / Unlimited
On-line, Telephone, Mail-Order Purchases Included / Unlimited
International POS Purchases 3% + $1 3% + $1 3% + $1
POS Purchases with Cash-Back Included / Unlimited
BIll Pay
Virtual VIsa/MC Payment Card Included / Unlimited
Top-Up Mobile Included / Unlimited
LD Prepaid Account Included / Unlimited
Domestic Á International Bill Pay Included / Unlimited
Virtual Official-Check Mail to Service $5 $5 Included / Unlimited
ATM Fees
ATM Withdrawal Free Included / Unlimited
ATM Transaction Decline Fee - Domestic Free Included / Unlimited
ATM Balance Inquiry Free Included / Unlimited
International ATM Withdrawal $3 $2
International Conversion Fee 3% + $1 3% + $1
International Balance Inquiry $3 $2
ATM Transaction Decline Fee - International $3 $2
Transfers
Card to Card Transfer Included / Unlimited
ACH Deposit / Withdrawal Free Free Included / Unlimited
Domestic Card to International Card Free Free Free Included / Unlimited
Enhanced Benefits
Smart Balance(Monthly Fee) $4.95 $4.95 Free / Unlimited
Ultra Low Overdraft Fee Free / Unlimited
Credit Builder (Monthly Fee) $4.95 $4.95 Free / Unlimited
Unlimited Teller Assisted In Person Transactions
Checks Cashed (deposited) Free / Unlimited
Money Orders Free / Unlimited
Bill Pay Free / Unlimited
Domestic Card to International Card Free / Unlimited
Cash or Check Load into Card Free / Unlimited
Cash Withdrawal Free / Unlimited
Card "Account Load" Free Free $3.95 Free / Unlimited