Zibo offers best-in-class online rent collection and expense management and the only bank account designed for landlords for free. So how do we make money if everything is free to the landlord? First, although all ACH bank transfers are free, Zibo charges tenants a 2.99% processing fee for all debit card and credit card transactions. Second, our banking partner pays interest for all deposits in Zibo bank accounts. Zibo passes most of that interest on to the landlord while keeping a small fraction of that interest for itself. Finally, Zibo earns money by selling loans and insurance products, so we make money when you save money!