Zero balance accounts

Liquidity Management Solutions

A controlled approach to liquidity management

Zero balance accounts (ZBA) automatically transfer all funds (or amounts over a designated target amount) each day to or from a master account. Funds from field sub-accounts can be concentrated to a master headquarters account.

When operating activity requires funding, balances are automatically restored. This structure keeps subsidiary accounts at or near zero while centralizing available cash. The result is consistent daily funding without manual transfers, reduced idle balances and greater predictability across accounts.

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Centralize cash and maintain control

Zero balance accounts allow organizations to concentrate cash from multiple locations or entities into a single master account while preserving individual operating accounts.

Field offices or subsidiaries retain their own deposit accounts and statements, supporting local reconciliation and deposit requirements. At the same time, excess balances flow automatically to headquarters, providing centralized access to liquidity.

You can move funds from your master account to subsidiary accounts (ZBAs) automatically, without initiating manual transfers. This eliminates the need to pre-fund accounts and allows you to keep more of your balances centralized and earning interest longer.

A zero balance account (ZBA) is a business account that automatically transfers funds to or from a main account to maintain a $0 balance. It’s typically used to centralize cash while still supporting multiple subaccounts for operations like payroll, payables or receivables.

It helps a business:

  • Control cash centrally instead of holding funds across multiple accounts
  • Improve visibility into balances and activity
  • Reduce idle cash sitting in subaccounts
  • Support automation for payments like payroll and disbursements

A regular account holds its own balance. A ZBA relies on a master account for funding. The ZBA is operational; the master account holds the actual cash.

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