Zero Balance Accounts

Money working for your business

Stay Focused

Concentrate balances by transferring funds to and from a master account for efficient use.

Be Efficient

Reduce administrative time and effort in monitoring daily cash positions.

Better Balance

Maintain separation for auditing and accounting purposes.

benefits

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 it works

Maintain your freedom

 Zero Balance Accounts are designed to help eliminate manual transfers, reduce idle cash and prevent overdrafts.

Automated

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

Daily transfers

We automatically transfer funds 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.

 

Execute

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

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Remote Image Deposit

Deposit money from anywhere

Deposit checks remotely for faster processing and extended deposit hours.
Business Rewards Visa

Earn more from your business

Make business purchases count with bonus points.

Normal bank approval applies.  

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Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.