Zero Balance Accounts

Automatically consolidate funds into one account that can then be used to fund disbursements or investments.

Managing multiple accounts that may be required if you have numerous locations or business lines can be costly and time-consuming.  Zero Balance Accounts (ZBAs) offer you an easy and convenient way to automatically consolidate funds into one account that can then be used to fund disbursements or investments. It’s less expensive than wires and frees employees from having to transfer funds manually, all through automation.


  • Multiple zero balances accounts can be tied to a single funding account.
  • The ZBA relationship can be simple or complex – requiring only two accounts – a funding/operating account and a zero balance account, or as many subsidiary accounts needed by your business.
  • The funding account automatically transfers nightly to the subsidiary accounts whenever needed to cover payments, and pulls the funds back when there is excess in the subsidiary account.


  • Provides the ability to aggregate funds from several accounts to facilitate other business needs, such as investments and debt management.
  • You have greater control and can enhance account reconciliation.
  • Reduce administrative time required to manually manage transfers between accounts.
  • Streamline account monitoring and reduce the possibility of overdrafts.
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For questions or enrollment Information

Email Treasury Management or call 800-259-0921.

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