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