Zero Balance Account

Let Broadway Bank reduce your need for excess balances to zero.

A Zero Balance Account (ZBA) lets you write checks and use your debit card while you keep a zero balance. Simply set up a primary account to receive all deposits and to disburse funds to your ZBA—only when necessary—to cover checks and electronic transactions that have cleared. As long as your primary account is properly funded, this sweep function eliminates any possibility of overdrafts or the need for manual transfers.

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The benefits of a ZBA

  • Save time and cost. Eliminate manual transfers and continuous monitoring.
  • Gain control. Enjoy greater control over your company’s account activity.
  • Use cash more productively. Realize greater value on funds by reducing the number of accounts with excess balances.
  • Use collection accounts more effectively. Tie multiple collection accounts to your primary account to eliminate manual transfers of collected funds.

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How does a ZBA work?

  • ZBA links are established on the accounts you specify.
  • Debit transactions accumulate on your ZBA throughout the day.
  • At the end of each business day, we move funds from your primary account to your ZBA to maintain the zero balance.
  • Net debt and credit activity may be viewed on iBIZ®.

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Easy Solutions

With business operating accounts, payroll processing, credit cards, lines of credit and equipment loans, we have what it takes to move your business forward.3

Local Decision Making

As a regional, independent bank with deep ties in the community, our bankers have an understanding of this market and know how to position you for success.

Experienced Partner

Success lies between knowing you have the personal touch of a small bank paired with the expertise of a Wall Street titan. As the region’s largest and strongest independent bank you get the best of both.

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Contact our Treasury Solutions team today to see how you will benefit from modern banking that’s locally sourced and personally delivered.

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A separate agreement and fees may apply.


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