Liquidity management solutions

Regions offers six commercial deposit account options to align with a company’s transaction volume, balance profile and operating needs:

• Commercial Business Checking - For businesses with lower balances and transaction volumes that want unlimited transaction and flat pricing.
• Regions Advantage Plus Checking® - For businesses with moderate transaction volumes that want unlimited transactions and flat pricing.
• Commercial Analyzed Checking - For businesses with larger balances and transaction volumes that want to earn an earns credit allowance to help offset service charges.
• Commercial Interest Checking - For businesses that require an interest-bearing account.
• Commercial Net Interest Checking - For businesses with large balances and transaction volumes that want to earn a credit allowance and earn interest on excess balances.
• Commercial Money Market Account - For businesses with stable, working capital funds that need an interest-bearing, limited transaction account.

Liquidity management solutions help businesses centralize cash, improve visibility and use working capital more efficiently by addressing common challenges:

• Excess balances earning little value: Automated sweeps help improve yield, centralize cash and reduce idle funds.
• Limited investment options for excess working capital: Regions Liquidity Manager® provides access to a wide range of institutional money market mutual funds to help effectively manage cash and meet liquidity goals with greater control.¹
• Lack of centralized control over funds in multiple accounts: Zero balance accounts automatically move funds to and from a central master account to keep sub-accounts at a $0 balance, streamlining funding and reducing manual transfers.

Regions Liquidity Manager® provides access to a broad selection of institutional money market mutual funds, enabling you to seamlessly trade, monitor balances and transactions, and view performance, analytics and reporting — all in one centralized platform to support effective cash and liquidity management.¹

Both are liquidity management solutions, but serve different purposes.

A sweep account optimizes liquidity by automatically moving excess funds out of an operating account, typically into an interest-bearing investment or to pay down a line of credit, and pulling funds back in as needed. It’s designed to maximize returns on idle cash or reduce borrowing costs.

A zero balance account (ZBA) centralizes liquidity by keeping sub-accounts at a $0 balance. Funds are automatically transferred to or from a master account as transactions clear, giving businesses control and visibility over cash across multiple accounts.