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Zero Balance Account

Eliminate the need for internal bank account transfers, and maximize funds available for investment and overdraft protection.

Key Benefits

A Zero Balance Account (ZBA) program consolidates balances from multiple sub-accounts into a single master account. This enables a business to segregate the collection or disbursement of cash.

During nightly posting of transactions, excess funds are either swept from the sub-accounts to the master account or from the master to the sub-accounts to restore all sub-accounts to a zero balance.

Benefits

  • Ensures that maximum funds are available for investment and overdraft protection
  • Requires no time or effort on your part, since the funds are transferred automatically each business night to return the sub-accounts to a zero balance