Zero Balance Accounts

A zero balance account (ZBA) allows balances from multiple sub-accounts to be automatically concentrated into a single master account. Funds are transferred electronically each business night from the sub-account to the master account for automatic concentration. ZBAs eliminate the need to transfer funds manually, thereby reducing account balance requirements and increasing the amount of usable cash in your company’s operating account.

ZBAs are also popular for disbursement accounts, such as company payroll accounts linked to an operating account. ZBAs automatically link multiple Capital Bank checking accounts together, thereby eliminating the need to make manual or phone transfers between the accounts.