I lost my SpotMe® access. How do I get it back?

It's likely that you lost access to the SpotMe feature because you stopped meeting the qualifying direct deposit requirement for the feature. To get SpotMe back, you need to receive a single qualifying direct deposit of at least $200 into your ZenFunds Checking Account. For the direct deposit to qualify, it must be made by Automated Clearing House (ACH) from your employer, payroll provider, gig economy payer, or benefits payer, OR by Original Credit Transaction (OCT) from your gig economy payer.

After you meet this requirement, you will be able to turn SpotMe back on. To continue being eligible for SpotMe after your first qualifying deposit, you'll need to keep receiving single direct deposits of at least $200 from a qualifying source on a regular basis. You may lose access to SpotMe if you stop receiving qualifying direct deposits on a regular basis. We will monitor the frequency and regularity of your qualifying direct deposit and will look at a variety of factors to determine if your qualifying direct deposit has become infrequent.

ZenFunds Member Service agents cannot turn SpotMe back on for you if you have become ineligible.

Please read our SpotMe Terms and Conditions on our Policies page if you still have questions about SpotMe.