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The Zero Balance Account (ZBA) allows you to maintain separate bank accounts for different purposes, such as payroll, health insurance or accounts payable, while controlling all balances through a single parent account. This allows you to maintain all of your balances in the parent account giving you the highest balance available to you for cash management.

Your statements will indicate one transfer to or from each ZBA each day that there is activity. Separate statements are provided detailing activity within each account. ZBAs provide tracking and reporting for individual accounts while allowing a concentration of funds for higher return on deposits.