Customer Service 

For assistance or additional information regarding your Deposit Account, please contact us at: 

By email at: support@zeal.com 

By phone at: (415) 914-9698 

Or by post at: 

Puzzl Group Inc. 

Kirti Shenoy 

548 Market St PMB 78725 

San Francisco, CA 94104 

United States 

Telephone Monitoring/Recording 

We may monitor and/or record communications with the customer to ensure the quality of our Customer Service team, as well as when contacting the customer regarding account servicing, collections, or as required by applicable law. 

Errors and Disputes 

If you believe there is an error on your account statement or if you need more information about a transaction, please email disputes@zeal.com. Your email should include: (i) your name and account number; (ii) a description of the suspected error and the dollar amount in question; and (iii) the approximate date when the error occurred. We will review the information provided in a commercially reasonable manner. If you require more details about our error resolution process, please contact us at disputes@zeal.com. 

Abandoned or Inactive Accounts 

Your Deposit Account may be deemed inactive if there has been no deposit, withdrawal, or sign-in activity for a period of twenty-four (24) months. Zeal will initiate the account closure process for Deposit Accounts that have remained inactive for twenty-four (24) months.

If your Deposit Account has a remaining balance at the twenty-four (24) month mark, Zeal will begin outreach efforts to notify you of the account’s inactive status and pending closure. We will attempt to contact you using the contact information associated with your account, including by e-mail or mail to the address listed on your account.

All Deposit Accounts that remain inactive must be closed no later than thirty (30) months after the last qualifying account activity. Upon closure, any remaining balance will be returned to you through an available payment method or disbursed by check to the address associated with your account. You are responsible for maintaining current and accurate contact information with Zeal to facilitate the return of any remaining funds.

Periodic Statements 

You are able to view your monthly statements for your Deposit Account by signing into your online banking via our website or mobile app. Monthly statements will be generated in a PDF format for the previous month in the first 5 business days of the current month (unless there is no activity within a particular month). Quarterly statements will also be generated regardless of whether or not there was any activity in the previous quarter. For more information regarding your rights to accessing your statements and other electronic communications, please see our Electronic Communication and E-Sign Agreement. 

Consumer Account Closure 

The account holder may request to close the account by contacting customer service at paycards@[partner name].com. Once the account is closed, we are not obligated to accept deposits or pay any outstanding items but may do so at our discretion. Any access device will be deactivated. The account holder agrees to release us from any liability for honoring or refusing any item presented on a closed account. If there is a remaining balance at the time of closure, a check payable to the customer, as listed in our records, will be mailed to the address on file within fourteen (14) business days of the final transaction or receipt of the closure request.

Commercial Account Closure (without Paycard) 

The account holder may request to close the account by contacting customer service at support@zeal.com. Once the account is closed, we are not obligated to accept deposits or pay any outstanding items but may do so at our discretion. Any access device will be deactivated. The account holder agrees to release us from any liability for honoring or refusing any item presented on a closed account. If there is a remaining balance at the time of closure, a check payable to the customer, as listed in our records, will be mailed to the address on file within fourteen (14) business days of the final transaction or receipt of the closure request.

Account Closure Due to KYC/KYB

In the event an account is flagged due to KYC or KYB reasons related to the bank’s secondary review and the RFI is not fulfilled within 30 days of notification, the account will be closed. The account holder may request the closure of the account and refund of any balance during the 30 day period. If there is a balance at the time of closure, a notification will be sent to the account holder and a paper check for the total amount will be mailed to the last known address on file.

Partner Offboarding with Paycard 

In the event a Partner offboards from Zeal’s platform, a 30 calendar day notice of account closure will be given for deposit account and debit card holders associated with the Partner. Another notification will be sent 7 days before account closure. A final notice will be sent on the day of account closure. In these 30-days, the account holder will be responsible for withdrawing all funds from their account. If, at the end of the 30-day period, funds are still in the account, a paper check totaling the remaining balance will be mailed to the address on file for the account holder. Reg E disputes and Deposit Account Agreement guidelines will be adhered to after account closure.

Zeal reserves the right to close an account at any time. In the event of such closure, Zeal will provide notice to the account holder, and any remaining balance will be sent via paper check mailed to the last known address on file.