We have important information for you about our transition into First Merchants Bank. Learn More.

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Zero Balance Accounts (ZBA)

Zero Balance Accounts provide you with a convenient way to manage multiple accounts through one master account. Utilize a checking account to link your deposit and disbursement accounts to a master concentration account. At the end of the day, the transactions post to the disbursement account. The sub accounts will always maintain a zero balance. The automated transfer covers the amount of the items presented.

How it Works

  • Establish the master concentration account, as well as the zero-balance sub-account(s)
  • As transactions post to the sub-account, funds are drawn from the master account


  • Concentrates all of your cash in one account
  • Transactions are identified by sub-account
  • Transactions can be tracked through Online Banking
  • Helps to minimize overdrafts and automates transfers
  • Your funds are where you need them, when you need them

Fees may apply. Contact 248-737-0300 or e-mail us for more information.

How can we help?

Call and speak with a customer service representative or visit our Customer Support Center to submit a request for assistance, chat with our team, and view frequently asked questions. 


Thank you for visiting https://www.levelonebank.com/Business/Commercial-Depository-Services/Treasury-Management/Zero-Balance-Accounts-ZBA
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