Frequently Asked Questions

About TranzactCard
What is the TranzactCard?

TranzactCard is (a) the digital and plastic transaction card that carries the approved Visa® bank card brand and can be used anywhere in the world that Visa is accepted, and (b) the public facing brand of the TranzactCard Financial Ecosystem.

Is TranzactCard Visa bank card a prepaid card?
Your bank card comes with your TranzactCard Account, a banking account like the checking accounts traditional banks offer. To use your bank card, you'll need to deposit funds into your account.

What is the TranzactCard Financial Ecosystem?
It is a privately developed members-only ecosystem that includes state of the art financial technologies, an e-commerce platform, for the purpose of creating economic uplift for its member constituents in ways not available in any other product or system in the USA.

Who owns TranzactCard?
TranzactCard LLC is a wholly owned subsidiary of TZT Holdings LLC. TZT Holdings owns the brand "TranzactCard" and the TranzactCard Financial Ecosystem. While the entire ecosystem is designed to operate like a self perpetuating for-profit enterprise, its structure is more akin to a foundation, or trust, or not-for-profit organization, where the majority of proceeds are returned to the benefit of its constituents, the TranzactCard Members, rather than a handful of shareholders. TranzactCard is managed by a board of directors and supported by an experienced executive team.

How can TranzactCard be profitable when they offer so much to their members?
TranzactCard works with banking fee structures and manufacturer distribution systems to rearrange profits and pricing, making products and services more affordable. Every time you use your Tranzactcard for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. TranzactCard receives a portion of this fee.

Tranzactcard negotiates with manufactures to receive the best pricing on Z-Club merchandise, then passes those savings to the customer in the Z-Club and the Z-Bucks program.

This is how TranzactCard can continue building new and better products and services for members to get the most from their money.

Is the TranzactCard safe?
Yes! TranzactCard uses encryption to protect your data in-transit and at-rest.

We use many tools to make sure your account cannot be maliciously accessed, and consider user privacy to be of the utmost importance, and have built the TranzactCard Ecosystem to keep your information safe.

Are my funds FDIC insured?
Yes, the standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. Banking services are provided by Solid Financial Technologies, Inc.'s partner banks who are Member FDIC.

Opening an Account
How old do I have to be to open an account?
U.S. Citizens 18 years and older are welcome to sign up for a TranzactCard account. TranzactCards do work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States with a US residence.

Does TranzactCard offer joint accounts?
Unfortunately, we don't offer joint accounts at this time.

If you're the parent of teenager(s), you can open up to five additional cards and set limits for each card for your teen to have their own card and learn financial responsibility.

Does TranzactCard offer Business accounts?
TranzactCard does not currently offer Business accounts. We are always looking to improve our banking experience and will offer business accounts in the future.

Can I open more than one TranzactCard account?
TranzactCard does not currently offer multiple accounts associated with an account holder's Social Security Number.

Will TranzactCard check my credit score when opening an account?
No, we do not run a credit check when you open an account with TranzactCard.

Why am I being asked to provide a photo-ID?
In order to open a bank account in the US it is required to prove a customer is a real person, not a bot, and that this is not a stolen identity. Sometimes we may need more information to verify your identity to keep your information and the financial platform safe.

You may be asked to provide one or more of the following forms of identification:
- A valid, unexpired state-issued driver's license or identification card
- A valid, unexpired U.S. passport or U.S. passport card
- A valid, unexpired permanent residence card

If you are unable to provide one of the documents above, we will not be able to verify your identity and unfortunately cannot open an account for you.

TranzactCard Banking
How do I log into my TranzactCard account?
Go to, and select Log in on the navigation bar. Then, for your security, an active phone number must be entered and is required to access your TranzactCard Account. When your phone number is entered, a text with a unique verification code will be sent and used to log in.

This verification code is for your use only and should not be shared with anyone. We'll never reach out to you directly on social media, text or by email, to request this information.

When will my new TranzactCard card arrive?
Your card will arrive within 3-5 days after opening your new account. If you don't receive your card within two weeks, you can request a new card online.

Why does it say not for business purposes on the back of the card?
Currently TranzactCard does not offer business accounts. Cards are issued to individual US residents with a social security number. An individual may use their card for any legal activity including personal or business expenses, but is not considered a business account under state and federal guidelines.

How do I deposit funds into my bank account?
ACH transfers
Mobile deposit of paper check
Wire transfers
Debit Card Pull

Where do I find my routing and account numbers?
Upon logging in to the banking app go to, 'See full account number' next to your account name and a box will open to display your account and routing number.

Does Weekend and Holidays deposits affect account timing?
In the U.S. almost all funds being transferred between banks move through the Automated Clearing House or ACH, so when there's a bank holiday you may notice that funds you're expecting to arrive will show up a day or so later than anticipated.

The main reason for this is simple, ACH doesn't operate on weekends or bank holidays. This applies to all deposits that use ACH, including payroll for most employers, unemployment or disability benefits, and deposits you've initiated from your own 3rd party bank in our app.

How do I set up direct deposit?
An employer will collect the banking information—including bank account number and bank routing number—of its employees and vendors. The employee will then send its payroll instructions to its bank, which then passes that information to the Automated Clearing House (ACH). The ACH operator sorts the ACH entries and ensures that each instruction is routed to the correct financial institution for each employee's paycheck. Upon receiving the ACH instructions, the employees' banks then process the payment and credits the employees' accounts with routing and account numbers to deposit directly into the employees corresponding account.

Is there a minimum or maximum to how much money I can have in my account?
There's no limit to the amount of money that you can have in your account, and you don't have to worry about maintaining a minimum balance to keep your account open!

Is there a spending limit on my TranzactCard Visa bank card?
Yes, currently the security limits for your TranzactCard account are: $5,000.00 per day with a maximum limit of $15,000.00 per month.

Can I get cash from an ATM?
Yes, once you assign a pin number to your TranzactCard, you will be able withdraw from any ATM that accepts VISA. Some fees may apply. See Fee Structure in Terms and Conditions.

Digital Branch Business Opportunity

Is TransactCard a multilevel or network marketing company?
The compensation structure is structured from the best model of a direct sales compensation plan and applies only to one segment of a TranzactCard business opportunity. This does not describe the company and the business structure as a whole.

What happens to the $495 if someone decides to opt out of being a DBO?
If a DBO opts out within 30 days and has not qualified for a rebate, they can request a refund which cancels their Digital Branch Office and they are issued a refund. If a rebate has been paid their position is canceled and no refund is issued. If 30 days has passed the $495 is non-refundable unless there are exceptional circumstances and any commissions, bonus, rebates or manager development grants are forfeited and must be returned.