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Zero Balance Account

Zero Balance Accounts (ZBAs) are a flexible way to maintain funding for one or more business purposes while maintaining concentration and control of your cash.

A ZBA is typically dedicated to the funding of one particular business function, such as payroll. Once established, the ZBA accumulates debits over the course of a day as checks clear against it. At the close of business, just enough funds from the primary account are swept into the ZBA to cover that day's activity.

You can establish multiple ZBAs for as many distinct business functions as you like, allowing you to track and control many different aspects of your operation without fragmenting your central cash account.

Our Commercial Banking experts can analyze your business needs and help you make the best use of this simple but powerful tool.


For more information, please call 402-399-5037.



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