Zero Balance Accounts

Zero Balance Accounts (ZBAs) simplifies fund consolidation and eliminates manual fund transfers. At the end of each business day, an automatic transfer to or from a main account occurs, keeping related account balances at zero each business day. ZBAs reduce risk of overdrafts by automatic transfers from concentration account to disbursement accounts.

• No need to manually transfer funds between accounts to cover cash flow requirements. 
• Reduces idle balances by consolidating deposits to a concentration account you designate.
• Eases balancing of multiple accounts.