Zero Balance Accounts

Keep your money working for your business

Manage funds more efficiently with a Zero Balance Account

A Zero Balance Account, or ZBA, gives your business the benefits of multiple accounts without the stress of managing them. It automatically transfers needed funds to or from a master account at the end of the day to ensure that the ZBA always maintains a zero balance. Your funds will always be readily available, and you'll avoid the hassle of manually transferring money.

Stay focused

Maximize efficiency by transferring funds to and from a master account.

Save time

Reduce administrative time and effort monitoring daily cash positions.

Balance better

Maintain separate accounts for auditing and accounting purposes.

Benefits of Zero Balance Accounts
Manage funds for less

Reduce costs

Help prevent overdrafts and related costs.

Eliminate transfers

Remove the need to initiate manual transfers.

Stay a step ahead

Increase investment income or reduce borrowing costs by eliminating idle balances.

How Zero Balance Bank Accounts Work
Maintain your freedom

ZBAs are designed to help eliminate manual transfers, reduce idle cash and prevent overdrafts.

Automation

Maintain payment and depository accounts automatically, at a zero balance, by transferring funds to or from your master account.

Daily transfers

We automatically transfer funds to or from your master account into other accounts in the exact amount needed to cover your payments.

Independence

Simplify funds transfer activity while maintaining account autonomy.

Execution

Consolidate bank balances and create a pool of funds to determine your daily cash position.

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Send & transfer money with ACH and wires

Receive account and security alerts

Learn more about business digital banking

Business Digital Banking
Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking
Manage your business on the go

Send & transfer money with ACH and wires

Business Digital Banking
Manage your business on the go

Receive account and security alerts

Learn more about business digital banking

Zero Balance Accounts FAQ
People often ask us

A ZBA optimizes your business’s cash flow and gives you more spending control by aggregating your funds into a master account instead of leaving small amounts of money sitting idle in multiple accounts.

You can open a Zero Balance Account by contacting your treasury management sales officer.

A ZBA is a type of sweep account. Sweep accounts are cash management techniques that aim to optimize a business's cash flow and reduce banking costs. They automatically transfer—or sweep—funds above a predetermined balance into another account. With ZBAs, funds are swept from a master account into the ZBA. Then, the ZBA transfers any excess funds back into the master account at the end of the day.

Your ZBA is funded through an automatic sweep from a main account. You can use several methods to fund your main account, including direct deposit, wire transfer, online transfer, check deposit and cash deposit. Those funds are then swept into your ZBA to fulfill obligations.

Normal bank approval applies.

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