Zero-Balance Accounts

Streamline Your Cash Flow, Boost Your Bottom Line¶

A Zero-Balance Account (ZBA), also known as a Sweep Account, is a specialized business checking account designed to optimize  your cash management. It's linked to your main operating account and automatically maintains a balance of zero at the end of each business day.

How it works¶

1. Set up a ZBA for specific expenses (e.g., payroll or travel)
2. When transactions occur, funds are automatically transferred from your operating account
3. At day's end, leftover funds sweep back, leaving a zero balance

It's that simple!

Unlock the Power of Zero-Balance Accounts¶

• Maximize Earnings—Keep your cash working harder for you! Instead of funds sitting idle in multiple accounts, concentrate your money in one place to boost potential interest earnings.
• Reduce Overhead—Say farewell to overdraft worries. With automatic transfers covering exact transaction amounts, you'll minimize or eliminate overdraft fees.
• Gain Valuable Insights—Access detailed transaction reports through Commercial Online Banking.
• Save Precious Time—No more manual fund transfers! Let automation handle the heavy lifting, freeing up your staff to focus on growing your business.