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Zero Balance Accounts

Automatically manage cash flow by concentrating balances while maintaining separate accounts with our Zero Balance Account (ZBA) service.

The Solution:

Daily disbursements are funded and receivables are consolidated in multiple accounts with the ZBA service. At the end of each day, an automatic transfer between your primary account and ZBA bring the ZBA balance to $0.00. This can help to:


  • Eliminate idle balances.
  • Minimize need for manual transfers between accounts.
  • Protect your Main Operating account information.
  • Reduce potential for overdrafts.
  • Improve account reconciliation.
  • Add a Sweep to achieve maximum earnings on your consolidated operating cash.

Additional limitations and requirements may apply. For more information about Zero Balance Accounts, call our Treasury Solutions team at 1.866.833.0050.