Zero Balance Accounts (ZBAs)

Zero Balance Accounts are ideal for any business that keeps an operating account and separate accounts for things like payroll, petty cash, and travel reimbursements. A ZBA saves you time, limits banking and clerical errors, makes it easier to audit and monitor spending, reduces the risk of fraud, optimizes cash flow, and provides more spending control. Eliminate excess balances across multiple accounts with a ZBA. Concentrate your cash for investments, debt reduction or other business goals by sweeping among your deposit accounts daily, while still covering the costs associated with all checks and payments.