Zero Balance Account (ZBA)

Zero Balance Accounts (ZBA) allow you to concentrate your balances into a single general operating account and automate the distribution of funds into subsidiary (sub) accounts to cover disbursements. ZBA only transfers enough funds to cover your payments, always maintaining a zero balance in the sub account. This eliminates the need for manual account transfers and the risk of forgetting to distribute funds or transferring an incorrect amount. ZBA can also be used to concentrate deposits into a single account for investing or loan payments.

Features and Benefits