Welcome to pāyZero® Incorporated | Future Home of Debt Free Banking With Pink Financial Bank

Until we are ready in late 2022, You can begin Debt Free Banking at your bank today.

No one deserves to have the burden of monthly debt controlling your quality of life.

Join the movement

AVG Monthly Debt Paid


If you have an auto loan, and you want to be Debt Free, you don't have to wait until 2022. Here is all you need to get started with Car Allowance at your bank Today!

Debt Free Banking can be managed from just about any FDIC® Insured Bank.

4 Checkings Accounts

You need 4 accounts at the same bank. Main, Debt, Utility, Discretionary. (No Credit Unions unless its USAA®)

Direct Deposit

You will need direct deposit of your income for your entire household to enter the Main Account

Budget Analysis

You will need to enter your total income and monthly expenses individually into our Allowance calculator

PayZero Is ready to help you bank debt free

Our team of Licensed Advisors are ready to give you the tools you need to bank free at your bank.


Get Qualified

Once your Recirculated Dollar Amount, our team will provide you setup instructions


Debt Selection

Based on your results. you choose some or all of the debt items that can be paid with your Recirculated Dollars.


Debt Payments

PayZero will use our established Bill Pay services to begin servicing your monthly debt using your Recirculated Dollars.

Frequently Asked Questions

Why can’t I sign up for my digital bank account today?

We put our product through robust testing to ensure bugs are identified and removed before we take your money. We will only move forward with the product launch when we can give you the product and services our community deserves. So, stick with us. It will not be long. Your opportunity to be a full PayZero™ customer is right around the corner. As for now, if you have monthly debt, we will show you how to Safely set up Debt Free Banking at Your Bank.

How do I know I am on the waitlist?

First of all, thank you for your support.  People have the opportunity to join the waitlist by simply providing your contact information.  At this point, legally, we cannot ask you to open an account with us until we are FDIC insured.  But you can practice our system at your bank today.

Will you have a mobile banking app?

Yes, we are modern banking for the culture.  Is there any other way to provide digital banking services in 2021? We’ve got you covered on Apple or Android platforms.

When you open, will my money be FDIC insured?

Yes, all deposits will be FDIC insured up to the maximum allowed of $250,000 with our partner FDIC institution.

Will this bank only be for Essential Employees?

At this point, Debt Free Banking works best when there is steady direct deposit income in the household. We understand there are many people who are not listed as Essential Workers that receive steady direct deposit income.  You will not be immediately turned away.  However, our marketing focus will be Essential Workers, and First Responders.

Do you need to be a US resident to open a digital bank account?

Yes, you must be a US resident living in the US to open an account.

Will your cards have the chip and be contactless payment enabled?

Yes. All cards will ship with the security chip and be enabled for contactless payments.

Get started in minutes

To get started, simply click the button below, our team will guide you on the next steps.

Copyright 2022 | pāyZero® Financial Inc.