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Cash Management

Zero Balance Account

Simplify management of multiple accounts.

Transferring money manually can cause timing challenges and human errors. A Zero Balance Account (ZBA) helps eliminate those risks while maintaining separate account numbers.

Your account structure will consist of a master and several sub-accounts. Funds needed to pay transactions in a sub-account are transferred from the main account. Any deposits made to a sub-account will concentrate to the main account.


  • Eliminate the manual process of funding individual accounts
  • Simplify reconciliation with individual statements
  • Reduce risk of overdraft


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