Sweep & Zero Balance Accounts (ZBA)
Consolidate funds, maintain target balances, and improve liquidity control with our advanced cash management solutions.
Enhanced Financial Visibility. Optimized Earnings Potential.
A centralized cash management system that consolidates funds from multiple accounts into a single master account. Automated daily fund movements improve liquidity control by ensuring subsidiary accounts are funded as needed while eliminating idle balances, reducing manual transfers, and minimizing administrative effort.
Sweep structures and ZBAs optimize earnings by moving excess balances into interest-bearing or investment accounts while automatically funding disbursement accounts to reduce overdraft risk, and streamlined reconciliation simplifies accounting with clear transaction trails and consolidated reporting. Both services are subject to approval and may include balance requirements, exposure limits, and operational setup.
ARE SWEEP AND ZBA ACCOUNTS RIGHT FOR YOUR BUSINESS?
If so, take the next step and contact us.
Membership eligibility and account opening are required for all products and services. Treasury Management Services are subject to underwriting, approval, and qualification requirements. Fees may apply. Minimum credit qualifications and risk criteria may be required to access certain products and services. Terms, conditions and fees are subject to change.
How It Works
Establish Account Structure
Configure ZBA Settings
Define Sweep Parameters
Automated Daily Processing
At the end of each business day, ZBA accounts are brought to a zero balance and sweep accounts transfer funds according to predefined rules.
Monitor & Report
Track balances, transfers, and activity directly within the Business Online Banking Treasury Management platform.
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