Zero Balance Account

CASH MANAGEMENT
CENTRALIZED & SIMPLIFIED.

The Zero Balance Account (ZBA) from Ameris Bank is designed to add simplicity to your complex business life. It functions as a master cash management account, the hub for all your business banking activity.  

Our ZBA is exactly what it sounds like. It’s a business checking account with a $0 balance. When you need funds, we automatically transfer the exact amount of money required from a central or master account. We also sweep deposits into that master account daily.  

You can use your ZBA to ensure funds are readily available for different departments.  Or to eliminate excess balances from separate business accounts and maintain greater control over the disbursement of funds. You can also use this account to handle your payroll, petty cash, and other business needs.  

You’ll gain greater risk mitigation and control over cash balances and unauthorized spending.  

With an automated ZBA, you can limit clerical errors and increase operational efficiency as you monitor and reconcile bank statements. In addition, you can limit your account’s activity to the processing of payments without maintaining a running balance. 

• Make accounting more accurate and efficient with a monthly statement detailing all transfers 

• Avoid overdrafts with a reliable account structure  

• Move funds nightly to cover all disbursements