Zero Balance Account

An optional feature for non-interest-bearing checking accounts

Zero Balance allows for deposits in the Concentration account to fund debits in other business accounts for the same entity, known as a “subsidiary account,” which will maintain a “zero dollar balance”.

At the end of each business day, funds are automatically transferred from the concentration account to the subsidiary account(s) to fund debits against the subsidiary account(s). This service eliminates the need for internal bank account transfers. You invest no time or effort since the funds are transferred automatically at the end of each business day. Businesses often set up their payroll account as a Zero Balance account.

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