Frequently Asked Questions

About TranzactCard

TranzactCard is (a) a digital and plastic transaction card, and (b) the public facing brand of the TranzactCard Financial Ecosystem.

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.

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.

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.

TranzactCard works with banking fee structures and manufacturer distribution systems to rearrange profits and pricing, making products and services more affordable. 

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

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.

Opening 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.

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.

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

TranzactCard does not currently offer multiple accounts associated with an account holder’s Social Security Number.

No, we do not run a credit check when you open an account with TranzactCard.

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

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.

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.

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.

ACH transfers
Mobile deposit of paper check
Wire transfers
Debit Card Pull

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.

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.

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.

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!

Yes, once you assign a pin number to your TranzactCard, you will be able withdraw from most ATMs.

Digital Branch Business Opportunity

The compensation structure is structured from the best model of a direct sales compensation plan and applies only to one segment of a TranzactCard income opportunity. This does not describe the company and the business structure as a whole.

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.