ZBAs help you maintain separate accounts for tracking and reporting — while funding stays connected through one primary account

When you want separate accounts, not scattered cash

Many organizations use multiple accounts for clarity — one for payroll, one for payables, or one for a specific location. A ZBA structure keeps activity organized while funding stays coordinated in one place.

Multiple accounts, one funding source

Teams can transact from their own accounts while a central account keeps everything funded, so balances don’t need to sit in every account.

Clean tracking by department

Each account reflects only the transactions happening there, which makes reporting and month-end review easier to follow. 

Structure without fragmentation

ZBAs are a strong fit when different parts of the organization need separate account views, but leadership prefers funding to stay centralized. 

How Zero Balance Accounts are used strategically

ZBAs separate where transactions happen from where funding is held, supporting both visibility for teams and coordinated oversight.

01
Identify the central funding account

One primary account serves as the funding source for related operating accounts.

02
Align accounts to how your organization operates

Separate accounts can reflect payroll, payables, departments, or locations — whatever creates the clearest reporting view.

03
Reconcile with confidence

Transactions remain organized by account while funding stays centralized, making month-end tracking easier to explain.

Your questions, answered

A Zero Balance Account structure allows transactions to occur in separate accounts while funding remains in one primary account. 

Sweeps move excess balances automatically based on defined rules. ZBAs support multiple active accounts while keeping funding in one primary account. 

Service details are available in the Business Fee Schedule.

Business Fee Schedule