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Zero is the first modern banking experience to combine the simplicity of a debit card with the cash back of a credit card. Zero is powered by a checking account (Zero Checking) to hold your money, a credit card (Zerocard) that makes great rewards possible, and the Zero app, which combines things seamlessly. With Zerocard, you can get cash back of 1.0% to 3.0% on your spending and additional rewards. With Zero, there are no annual, maintenance, overdraft or foreign transaction fees. Zerocard is usable at ATMs and you don’t pay any ATM fees beyond what the ATM owner charges. At the Carbon level, all ATM fees are refunded, including what the ATM owner charges. The Zero app with Zero Checking also lets you send and receive same-day ACH transfers and direct deposits, deposit checks by taking a photo (coming soon) and send paper checks from the app (coming soon), all without any fees.
Each integration enriches the platform with data or features that provide comprehensive service and enhance the customer experience.